Date Received: 2023-01-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XXXX XXXX These are the two numbers they are calling from to scam credit cards. They instructed you can get 0 % APR. They ask for card expiration date, last four numbers of card and last four numbers of social security number. Also if you have any additional cards. When they couldn't get anything after I hung up, they called from another number. Thank you for allowing me to report. This was in reference to Discover. I will notify them. XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29505
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Received an email today from Discover saying my account was closed because they couldnt verify who I am. I've had my credit card since XX/XX/2022 and had XXXX problems and always on time with payments
Company Response:
State: RI
Zip: 02910
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Someone called said they were with credit card services for XXXX XXXX, XXXX, XXXX, and Discover card. They new my balance, last payment and future payment date on a Discover and XXXX I own presently. They said they were going to lower my interest rate on those cards and any others that I have.
Company Response:
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a XXXX point drop in my credit score due to a late payment I have made no late payments! All my payments are paid on time, because I am enrolled in automatic payments!
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed both credit cards I had with because I missed the deadline for this company to do a irs consent form for my taxes. I was told this could be fixed by doing the IRS consent form 4506-c from XXXX. Since I know I did my taxes in 2020 I went ahead and submitted the form back on the XXXX of XXXX. I waited for a month and haven't gotten no response from neither the IRS or discover. After not getting response I was told I would have to restart the process so, I did the submission for the 4506-c form again on XX/XX/XXXX, the same exact process that discovered required which was via email. Once again, I've waited another month expecting a response from someone and took the initiative to call discover on a weekly basis about this matter. Every representative told me that it's processing and to wait. This issue is still continuing till today, I've called discover again and they had me repeat the process for a THIRD time and I made sure it everything was correct by going to my 2020 tax transcript. I called IRS trying to see if I can figure out why it is taking so long for a response when I was told it usually takes 14 business days, whereas, I'm having to wait 3+ months. Discover has really put mine a bind with this situation and I really need this to be resolved with my accounts being reopened especially when I'm trying to do my part on the matter.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to the Heroes Act ( Section 110401 ) DISCOVER BANK violated my rights by reporting late payments during the XXXX Pandemic. see attachments
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Money was not available when promised
Subissue:
Consumer Complaint: 1 ) XX/XX/XXXX : I submitted online a form to wire transferred {$35000.00} from my saving accounts to a relative 's bank. Both banks are in the USA. XXXX XXXXmy bank : Discover, my relative 's bank : XXXX XXXX XXXX XXXX I live in XXXX the money was meant to be transferred to XXXX. 2 ) The {$35000.00} amount was deducted from my savings account on XXXX XXXX, XXXX, as of today, XX/XX/XXXX Discover can not give me an update as to when my money will be transferred. 3 ) Discover bank said the transfer would only take 3-5 days max. XXXX ) Discover bank called me twice in early XXXX asking to confirm the same information ( my name and social security number ). Every time Discover bank would say that the wire-transfer needed to be approved by the Federal Reserve and they would give me an update in 3-5 days. 5 ) When Discover bank stopped calling me I called 3 times ( in XXXX and XXXX ) to ask for an update and every time they said the same thing : that my wire-transfer was on hold because " they '' needed to confirm my name. I asked where was my money and they first said it was with the Federal Reserve. I asked to please cancel the wire-transfer if that would return my money/ {$35000.00} back to my account and they said that would not happen until the Federal Reserve released the money. 6 ) I called the Federal reserve on XX/XX/XXXX and they said they do not " hold '' the money, and they only take 1-2 days to review and approve wire-transfers. The Federal Reserve said Discover had misinformed me and to contact the CFPB. 7 ) I called Discover on XX/XX/XXXX and they said the same thing again : that my wire is " stuck '' in some government agency and also they asked for my name again asking if I was certain I had provided my full name correctly or perhaps I misspelled it and that is what is causing the delay, which is absurd. They kept me on the phone for 30 minutes with no resolution. The customer representative said he will personally call me this week ( week of XX/XX/XXXX ) to give me an update. However, I have been hearing the same story since XXXX XXXX, XXXX with no resolution.
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX charged me twice for the same booking, once on XXXX on my XXXX card ( which I authorized ) and once on XXXX on my Discover card ( which I did not authorize ). The XXXX billing is handled through XXXX. XXXX only had my Discover card number from authorized charges several years priors. XXXX has been unable to credit the double-billed amount although they do not dispute that a credit is owed. They suggested that I contact Discover to get the credit, since I did not authorize the charge to Discover. Seems reasonable. I have been on 7 different phone calls with Discover, including the last one to XXXX in their XXXX XXXX XXXX group. The first person at Discover to whom I spoke instructed me to get the documentation from XXXX to show the duplicate charge. I have done that ( see attached ). I uploaded it to the Discover system that I was directed to use for this. Discover confirmed they have the documents. Still, they refuse to issue the credit. This is an unethical business practice. After spending several hours on the phone with various Discover reps, supervisors, managers, and two " advocates '', I got nowhere. So I emailed to the CEO of Discover and the EVP of Discover. Neither of them has responded to me. I can see that they received my emails because they are apparently delegating my emails to their XXXX XXXX XXXX group. But that is the group who is refusing to provide the credit I am owed. They also refuse to contact the merchant to confirm the facts. Here are the dates and people with whom I spoke. None would provide their last name : XX/XX/XXXX XXXX in Utah XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX ( XXXX XXXX XXXX in Delaware ) XXXX XXXX XXXX XXXX XXXX XXXX in Delaware ) I sent emails that went unanswered to : XXXX XXXX, Discover XXXX - XXXX XXXX XXXX, Discover XXXX XXXX - XXXX XXXX
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: TO WHOM IT MAY CONCERN The company DISCOVER never gave me adequate notice on my right to rescind at the beginning of this consumer credit transaction. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and DISCOVER and I demand that you SHOW ME A DISCLOSURE SIGNED BY MYSELF OR CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I signed up for Discover savings through their website which offered a {$150.00} bonus for a {$15000.00} deposit and a {$300.00} additional bonus for a {$35000.00} deposit within XXXX days of opening the account. I clicked the " Open An Account '' link on the page that featured the bonus and went through the application process. The account was approved and opened on XXXX. I deposited {$16000.00} on XXXX to be eligible for the first promotion. I realized afterward that the bonus code was not automatically carried through on the link that I used to create the account. On XX/XX/XXXX I called because I thought the code would have automatically applied through the link that was featured on the website. The representative applied the promo code and credited me the {$150.00} bonus. I asked if I was also eligible for the additional {$300.00} if I met the {$35000.00} limit. I was told to transfer the funds and call again. On XX/XX/XXXX I deposited an additional {$18000.00} to meet the {$35000.00} minimum. I did not see the additional bonus credited to the account, so I called Discover once a week starting the week of XX/XX/XXXX and was told each time that it was being reviewed. On XXXX, I received a letter in the mail that my bonus was denied because I did not meet the eligibility. I called and spoke with a representative who told me the {$150.00} credit was a " one-time courtesy credit '' and that they would not credit me the rest of the bonus. I spoke with their manager as well who told me the same thing and that there was no way to dispute it or anyone else I could talk to. I told them that I was never told it was a one-time courtesy credit. This is false advertising. If I go to a website where a promotion is being prominently featured and click the link to apply, the promotion should be honored.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A