Date Received: 2023-01-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to XXXX XXXX Sec XXXX, no person XXXX furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. XXXX also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a XXXX government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Discover Bank has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the XXXX XXXX to be over therefore this is still in effect. Discover Bank is noncompliance with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: My grandmother was a victim of ransomware scam that resulted in fraudulent activity in multiple accounts of hers in XXXX of XXXX. The issue we are having is with Discover. A total of XXXX attempted Wire Transfers, but only XXXX completed Wire Transfers were made fraudulently out of her XXXX Discover accounts. XXXX XXXX Wire Transfer from Discover XXXX Account for {$22000.00}. XXXX XXXX Wire Transfer XXXX XXXX for {$30.00}. XXXX XXXX Wire Transfer from Discover XXXX Account for {$25000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover XXXX Account, credit {$22000.00}. XXXX XXXX Wire Transfer from Discover XXXX Account for {$39000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX XXXX Wire Transfer from Discover Checking Account for {$6900.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX A deposit from a XXXX Bank account was made to her Discover Checking Account for {$21000.00}. XXXX XXXX Wire Transfer from Discover Checking Account for {$21000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. XXXX The XXXX Wire Transfer on XX/XX/XXXX was reversed into the Discover Checking Account, credit {$21000.00}. XXXX XXXX Wire Transfer from Discover Checking Account for {$20000.00}. XXXX XXXX Wire Transfer XXXX XXXX {$30.00}. This leaves us with a total of {$91000.00} that was Wire Transferred out of Discover accounts and has not been reversed back, and {$180.00} in Wire Transfer Fees that was taken from her account. On XX/XX/XXXX my Grandmother informed me of what had been happening and after I did some research and found that who she had been talking to were not the companies she thought ( Discover, XXXX ). We reported all of the fraudulent activity on XX/XX/XXXX to Discover. We were told that they will really only be looking into the XXXX wire transfers that had gone through and not been reversed back into the account. I was told that they would refund the transfer fees, although I have not seen evidence of this myself. We were told that all of this is under investigation until further notice with no time line of completion. We asked Discover if we should make a police report, and we were told that it would probably make no difference. They also gave us no advice on how to further report this fraud to any kind of authority. In a later phone call we were told that while the investigation was not complete, they had located the accounts that the money was transferred to, but they were empty, and that we are not guaranteed to get any of the wire transferred money back. We have called back several times with no real updates and most times confusion about what is actually in being shown in their system as fraudulent activity. After researching myself of what to do I was recommended to make a report about it to the CFPB.
Company Response:
State: CA
Zip: 91732
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: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX Dear Sir or Madam : I am writing this letter regarding deceptive practices and erroneous fees and interest charges I received from DISCOVER. This company failed due diligence to protect me from unscrupulous merchants who never delivered the service. The related charges to the dispute are in error and XXXX XXXX XXXX informed me that they attempted to reverse their charges after realizing they made mistakes but DISCOVER would NOT accept the reversal. It appears this company engaged in conduct that helped the scammers rake in megabucks at my expense. XXXX XXXX had to send me the payment and I, in-turn sent it to DISCOVER. DISCOVERs refusal to accept the reversal payments caused a delay in resolving the matter, resulting in interest and late fees. The following are dates and persons spoken to in an attempt to resolve this matter : XX/XX/XXXX Spoke to XXXX and XXXX XXXX XX/XX/XXXX Sent supporting documents ( certified ) XX/XX/XXXX Spoke to XXXX XXXX disconnected ), spoke to XXXX who forwarded me to XXXX ( Dispute resolutions ) who forwarded me to XXXX ( security team ) who forwarded me to XXXX, then back to XXXX ( Resolutions ) then to XXXX ( customer assistance ) then to XXXX ( Billing ) then to XXXX XXXX billing resolutions ) who told me that it would take a couple days to make the changes to credit my accounts. XX/XX/XXXX Contacted XXXX about the status of the removal of interest and late fees and was forwarded to XXXX ( Fraud dept ) then to XXXX ( Resolutions ) then to the supervisor, XXXX, and then forwarded to XXXX ( Manager, Billing Resolution ) and received the same answer. My account numbers with DISCOVER are XXXX and XXXX. After repeated attempts since XX/XX/XXXX to rectify my accounts, this company has used deceptive conduct and failed to reimburse me for fees and interest as a result of the fraudulent activities of XXXX XXXX XXXX in XX/XX/XXXX. The enclosed are copies of accumulated amounts are : XXXX Card ending in XXXX Card ending in XXXX Total XXXX {$310.00} ( Interest ) {$210.00} ( Interest ) {$530.00} {$29.00} ( fees ) {$29.00} XXXX Card ending XXXX Card Ending in XXXX Total XXXX {$210.00} ( Interest ) {$290.00} ( interest ) {$510.00} {$40.00} ( fees ) {$40.00} I contacted the company of several occasions from XX/XX/XXXX in regards to this matter. Documentation to support my requests has also been presented and on XX/XX/XXXX, explanation was again given to DISCOVER representative, XXXX, about the misleading and fraudulent practices of this company. She informed me that they would make adjustments for the charges and it would take a few days. Failure to receive an appropriate response to this problem has prompted me to write directly to you. I would appreciate your assistance in resolving my complaint. I would like to receive full refund from DISCOVER of the full erroneous charges of {$1100.00}. I look forward to hearing from you soon regarding my problem. I would like to receive a response from you as soon as possible. Please contact me if you have any questions or need additional information. I may be contacted by e-mail at XXXX XXXX
Company Response:
State: TX
Zip: 77346
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: I recently received mail from Discover stating that I owe a balance and I want to dispute this claim because Ive been out of state for over a year and I also have a letter from a former employer stating that my personal information has been compromised, I also dont live at that address that they have on file as well so I want to dispute the fees that they are stating in the letter that I received. I havent use my card in almost a year. As I mentioned, my personal information was compromise, and I believe somebody has been using my credit cards, which is fraudulent activity.
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I put down a deposit to be able to qualify for a discover card and the company promised to return the deposit after months of proper use in which I had. Discover said they sent out a check via mail even though I had paid my deposit from a debit card. They stated they would send out another check a month ago and now has no answers to me still not receiving my deposit
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Bank fraudulently closed my account without my consent due to the fact that it " doesn't like '' how I submit payments. Discover Bank dishonored every negotiable instrument I sent to it. Discover Bank didn't return any negotiable instrument bank to me ( beneficiary ). Discover Bank didn't provide any lawful reasons of doing so. Discover Bank is in breach of FDCPA 15 USC 1692a1. It is Discover Bank duty to honor negotiable instruments for payment, to know and abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for payment of debt in accordance with 31 USC 5118 and other statutes/codes. " Dear XXXX XXXX, As a result of a recent review, we have closed the account referenced above. We have taken this action because your account is not being used as intended. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one. If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security ''
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
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: In XXXX I went to make an online purchase from my Discover Credit Card. I have made purchases with this card through the year as I have needed it. However I had received a credit card limit increase having been with the company for a handful of years so i knew there was plenty of money on the card. I went to use the card in the morning to order a XXXX gift for my fiance when I notice the Discover card app telling me my account is not only maxed out but over drawn! I have never maxed out a credit card and I have certainly never over drawn. I started panicking as soon as i noticed and felt foolish that I hadn't noticed sooner. I'm just not use to this kind of thing happening but I call the credit card company as soon as i am aware of the issue. I spent probably over an hour on the phone providing any and all information and going through the entire list of charges. The card seems to have been used physically dispite me having the original card. And what's harder to understand is the credit card company has stated that the charges stopped on the alternate card after the credit report was made though they said the card would still remain active while i recvived a new card. I assumed the guy must have stopped using it once it maxed out. That's just my guess. I was under the impression that everything was taken care of after I made the necessary calls. And was given reassurance by a Discover Card representative. But I earlier received another call back from Discover and they are saying that since I have shopped at similar places in the small town XXXX area, that it appears illigitmate. The representative also claimed that fake credit cards do not actually exist and that they are just a popular idea on XXXX. I asked if there was any information at all that I could provide to help with their investigation and provided as many details that I could possibly remember following the dates of the charges. The representative refused any addition information and she insinuated I was lying. I immediately continued to take action with a police report. Police Report Case Tracking Number : XXXX.
Company Response:
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
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: I wanted to purchase a refrigerator from XXXX. Because I seen the refrigerator for {$600.00} less at XXXX, I contacted XXXX, and asked them if they do price matching. The XXXX agent told me yes. I also asked the agent if XXXX was also doing the 10 % off entire purchase promotion if the consumer purchased four XXXX XXXX from different departments. The XXXX agent also told me yes. The agent told me to make the purchase, and after the purchase was made, contact XXXX and theyll assist me with the price match. So I went and purchased the refrigerator from XXXX, as I was instructed. When I contacted XXXX with the the proof that XXXX was selling the same exact refrigerator for {$600.00} less, XXXX refused to honor the price match. In order to make it appear as if they was giving me the price match, XXXX told me that the price was substantially lower due to the 10 % off of the entire order. Such response from XXXX wasnt a valid defense because at XXXX I would have STILL received that SAME EXACT 10 % discount off of my entire order, and the refrigerator would have STILL been {$600.00} cheaper. When I contacted Discover to dispute the charge, although I provided them evidence to support my claim, they refused to uphold the dispute. I received two responses from Discover, one response when I called them ; and one via mail. Over the phone, I was told that Discover couldnt honor the dispute because although XXXX did tell me that they were gon na price match, they never agreed to a specific dollar amount. Thats ridiculous because XXXX told me that they price matched, they didnt tell me that they price matched with certain conditions. What does it matter what the dollar amount is, either they price match or they dont, and they promised me that they were gon na price match. The second response I received via mail had literally nothing to do with my claim. XXXX responded to the dispute by confirming that they did deliver my refrigerator, and that they did replace it with a different one because the first one they sent me was broken. I dont quite understand such response, as I never contested receiving or not receiving the refrigerator. XXXX sent me {$200.00} for keeping the refrigerator, but I never told them that I agreed with such resolution. Such {$200.00} for the inconvenience, doesnt resolve not honoring the price match that they promised me. I am disputing {$600.00} that I was defrauded out of.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Unlawful or Unsound exercise of powers and Failure to Comply. XXXX failed in their fiduciary duty and mislead original creditor.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX I posted a payment for XXXX on my account i had a XXXX credit line. the day after I made the payment -- which i made to be able to pay bills and make a large purchase -- they reduced my credit line to XXXX and since there was no notification i proceeded to process the planned payment which put my account over the limit at the XXXX i also can no longer complete and intended purchase. due to the line decrease. The customer service rep stated it is in my terms they can change the limit without notice -- i dont think that is true but the timing of this line decease feels intentional. once they locked in the payment they reduced the line within 24 hrs if i knew this was coming i would have still made a payment but not the XXXX this may be legal it may not but if this was not legit they are not going to tell me.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A