Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a discover credit card which is closed few years back as charged off. I recently fully settled this account 3 months back making payment calling to the discover customer service. They have not reported to credit report, it still shows account it charged back and there is a balance of {$1400.00} Last four of SSN : XXXX
Company Response:
State: CT
Zip: 06705
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX I received a call from discover card stating my account was pass due and in the process of being closed and going to collections. I explained to the representative that I was unaware of any outstanding balances and believed that the card was paid to date. I explained that I recently became aware of severe medical issues and that with XXXX and lock downs had no recollection of the recent charges that caused a balance on the card. I explained that the last payment I made showed that I paid the bill in full just as I done before. The representative stated that I could dispute the charges and any charges that I did not authorize would be credited to the account and I would not be responsible for the charges. The representative then explained that inorder to dispute the charges I would need to set up a payment plan that would prevent the card from being closed. I agreed to set up a payment plan and the representative stated that once the disputed charges were reversed any payments that I made would be credited to the account. The representative said that it may take longer than normal to investigate the disputed charges due to covid restrictions and regulations have changed during the emergency pandemic, and asked me to please just be patient with the process that she noted everything on the account and that she will forward over to the right department to start the process. After making the minimum payment for the rest of the year in XXXX and XXXX I then canceled the payment after receiving a letter from discover stating the card was closed. I assumed the matter was resolved and I would get a new card. Immediately after I lost close family members and had forgotten about the letter until recently I was notified that an attorney was attempting to collect the account balance. The charges that I never authorized and dispute in XXXX that i also paid for each month on time over a year on are now being charged to me again. I never received a credit for the payments I made and I was recently notified after calling discover that the charges was never received by their department that I disputed and they are just now being investigated and have 90 days to resolve this matter. Mean while I still have their collection attorney attempting to file with the court to collect the unauthorized charges that I paid on for over a year and that discover is still in the process of investigating. It appears that discover card has already decided what the investigation of the disputed will be as they still have an attorney attempting to collect charges I did not authorize and paid for as they state they are still investigating the charges. My main concern at this point is discover states they are investigating the unauthorized charges and will notify me once they complete their investigation and will provide me with the results within 90 days. If discover is investigating and they haven't verified that the charges are not mine and was not authorized by me. How is it legal for discover to have an attorney attempting to sue me for unauthorized charges that discover hasn't verified and notified me of balance after investigation or credit that they should have issued to me for payments made for unauthorized changes. It's important to know that I trusted the representative when they stated they would note the account and forward to have disputed charges credited. It appears they never did until recently. I also request if discover does not credit account for unauthorized charges and credit me for over payments I request discover card bank resolves this matter with arbitration. I will forward this report to discover bank and please not this report should also be form of written notice to discover bank XXXX request arbitration of this matter if discover bank is not able to resolved by 90 days. I request all unauthorized charges from XX/XX/XXXX to current be credited to my account and a refund of any overpayments be issued back to me.
Company Response:
State: TX
Zip: 756XX
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: Money was not available when promised
Subissue:
Consumer Complaint: From my Discover bank checking account a wire transfer was processed on XX/XX/XXXX to my wifes XXXXXXXX XXXX ( XXXX ) for {$22000.00} usd. First Discover told us, the recipient bank had the funds, so we called my wife bank and they told us they don't have the incoming wire, and Discover wasn't able to provide tracking # Few days later Discover told me the wire was on hold by the Federal Reserve and they asked for more information, we supply my wife social security, address and citizenship. Days later, I called the Federal Reserve and they told me they don't hold for that timeframe, that I should file a complaint with CFPB. XX/XX/XXXX I asked Discover to return my money and I was told they don't have it. I have talked to several supervisors and none has an idea where is it or what to do. They tell me the Reserve has it, the recipients bank has it, the intermediate bank has it... Every time I call they tell me 3 to 5 business days, and on the 5th day they " reset '' the days again due to is a new request, so I have been on a loop. Please help
Company Response:
State: TX
Zip: 78503
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is a late payment reporting on my Discover account on XXXX XXXX XXXX. I have tried to reach out to discover to fix this issue but have yet to hear back anything from them. I have a simple request/explanation as to what happened. During the month of XX/XX/2022 I was out of town to attend my grandmother 's funeral in XXXX. At the time I had my secretary make sure all of my bills were paid which included my cards, my rent, etc. All of these payments were made however for some strange reason I noticed my discover hadn't been paid. Of course I am with my family and I thought my secretary had everything paid so this is the last thing I am thinking about. As soon as I noticed my Discover account was not paid I made a payment that same day. I wasn't even more than a week late, it was a couple days after when I noticed and immediately made the payment. I love my Discover credit card and hope to do business with Discover in the future, however this was a huge life event which I didn't expect and as a result my Discover card was a couple of days late. I am asking for forgiveness and goodwill late reporting to be removed. This is affecting my whole ability to obtain credit in my life and it is not fair I have paid every bill in my whole life on time and one month where I had a family emergency I am being punished and will not be able to obtain credit for 7 years! I hope this can be resolved, again this is a situation out of my control and I don't think I should be punished as I have always been a 100 % on time customer and always pay off my card in full when I use it. Thank you for understanding.
Company Response:
State: UT
Zip: 840XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about XXXX XXXX, 2022, I was told by a Discover Card customer service agent that there was suspected fraudulent activity on my account. This agent had mentioned at least two account transfers involving my card. I insisted that I knew nothing about any such transactions and after much more conversation about this, wed agreed that the card seems to have been breached and we shut it down. After weeks had passed without ever receiving the replacement card and new account number, Id called Discover to let them know I hadnt gotten it yet, and then also about what all had happened that caused the need for the replacement, only to then be told that they dont see anything unusual on my account, and that they cant send me another card because I was in an interest reduction period for six months when it was closed and so I dont qualify for a replacement card! I then explained to this agent and every other agent after that that I did nothing to lose that account. I explained that Ive had this account for coming up on 20 years soon and Ive never missed a payment- EVER! In fact, Ive never missed a payment on anything, at least XXXX accounts across the board during this time and that by closing my account, youre affecting my credit adversely and unfairly! If the Discover agent was lying to be devilish or malicious, then that should be addressed. If he did it because he wasnt trained properly to distinguish between in house transactions and fraud, then that should be addressed as well. Either way, I did nothing to damage my credit in this way, and I dont want my account closed. What I do want, while were on the matter, is a look at my interest rate. My minimum payments have more than doubled and Id like to look at options to make my payments more manageable until I pay the entire balance off soon.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Discover Bank I forgot to pay on time but destroying my reputation due to reporting negative reports without my consent and without due process of law to fake credit bureaus such as XXXX, XXXX, and XXXX is unlawful ( 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 5th Amendment/ 18 U.S. Code 242/ 18 U.S. Code 1349 ). ( 15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. )
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX. Subject : CHARGE-OFF DISPUTE Account : Discover bank To Whom It May Concern, Going over my credit reports ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. See. Account Above Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). 1. Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. Please provide a copy of the written agreement ( bearing my signature ) that created the requirement to pay and stipulates your terms for a delinquent account ; 2. Provide a copy of the last billing statement sent at the time of the transfer or allocation of the goods, services, or money associated with the alleged debt ; 3. State the maximum delinquency and when it was charged-off ; 4. Provide according to your records when this alleged debt became due and when it became delinquent. Please provide the five personal identifiers associated with this account including full legal name, address of record, date of birth, zip code and Social Security Number ( not truncated ) ; 5. Identify the date of the last payment made on this account and the amount of that payment ; 6. Provide how you made a determination that this alleged debt is within the statute of limitations applicable to it. Provide when you think the statute of limitations expires for this debt, and how you determined that ; 7. Describe in detail your firm 's charge-off procedures as they apply under the XXXX XXXX of XXXX ( Pub.L. 107-204, 116 Stat. 74 ) ; 8. Provide an itemization showing the dates and amounts added to each billing statements ) ( an additional interest, fees, or charges ). In addition, explain how the added interest, fees, or other charges are expressly authorized by the consumer agreement creating the debt or are permitted by law ; 9. Provide an itemization showing the dates and amount of each reduction or payment that was accrued in your firm 's charge-off procedure ; 10. Provide an updated Terms of Service Agreement for this account including specific amended sections and why those sections were changed ; 11. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: HI I a freshman student trying to build credit score I applied for discover credit card in XXXX end, after receiving the card while I was trying to activate the card I was told that my account was closed and I need to get rid of the card and reapply again.The reason they provided me for my card cancellation is that they asked me for some tax return documents which I do not have since I am a freshman. It has been 3 months since I try to apply every 10-15 days but I can not do so. And after having a word with the company several times I was told that there is nothing they can do. Also, due to this reason I am not able to apply for any credit cards available in the USA.
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I made a purchase with XXXX on XX/XX/2021 for a concert in the amount of {$120.00} and the transaction was charged to my discover card through XXXX. Later in the day, I received an email from XXXX that said : Hi XXXX, Unfortunately, we were unable to process your order for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX - Multiple Dates Available. If you'd still like to buy this XXXX, please double-check your payment information, then try purchasing again. If you're still having trouble, please view these XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX I then proceeded to verify my payment information and made the purchase again. I then saw that I was charged XXXX. I contacted XXXX and they refused to reverse the transaction saying that it was against their policy to refund. They then gave me a credit, but I told them I wanted a refund because I only made the purchase again because they told me the first transaction didn't go through. So I made a complaint with Discover and now they are saying that the email is not sufficient. It's pretty black and white, I don't want a credit, I want the unauthorized charge removed.
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had gotten behind on my payments and they offered me XXXX options for repaying. The first option was I close the card and have a XXXX % interest rate adn set up payments I could afford to repay. The second option was to have a reduced interest rate for 18 months, I picked a payment I could afford and they would suspend my card but leave open, after 6 months of consistent, on time payments they would remove the suspension. I chose option XXXX as I wanted to keep the card. After making about 13 months of payments on time I learned that they had closed my card prior to me choosing the plan and it therefore should not have been an option. By offering it to me the company committed Fraud in that it took money from me that I would not have owed if they would have only offered me the first option. After making the 18 months of payments I stopped paying the company because of their unfair practices. They have now filed a lawsuit against me for the balance.
Company Response:
State: KY
Zip: 40342
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A