Date Received: 2023-12-18
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 went through a very difficult period in my life personally and professionally that caused me to get behind on a number of my payment obligations. I have contacted Discover to try and resolve the matter and was told to contact the collection agency ( XXXX ) they had hired to handle my account. I contacted the agency and they told me they were unable to negotiate on Discover 's behalf and that I would need to talk to Discover. I again called Discover only to be told they would not help and any negotiation would have to go through the collection agency. Upon again contacting the collection agency ( XXXX ) I was told in no uncertain terms that any and all negotiations would have to be done with Discover. Discover is unwilling to discuss my situation or hear me out on any negotiation or attempts to resolve this issue. I am hoping you are able to help and my credit has been crippled and my ability to simply move forward with my life has been hindered.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been a credit card holder of Discover bank since XXXX, in XXXX I received personal loan offer letter ( the page is attached ) of XXXX USD for 48 months at a fixed monthly payment of XXXX USD. In my XXXX statement I realized that the loan amount has been added to my balance as " balance transfer '' thus increasing my interest rate and APR which is in contrast to personal loan agreement. ( page attached ) I have contacted Discover several times but no explanation or correction has been applied. I am frustrated because that loan should have been finished by XX/XX/XXXX however I am still paying monthly payment for the balance that must have been completed last year. I consider this a deliberate scam or mistake as major negligence if not fraud or consumer abuse.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On the XXXX of XXXX, XXXX I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Upon further educating myself I found that discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. Furthermore, Discover also, violateXXXX XXXX XXXX XXXX XXXX XXXXXXXX, the securities XXXX of XXXX, XXXX XXXX XXXX XXXX and Consumer Protection Act, Consumer Financial Protection Bureau website and Financial Industry XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ), as I explained to them, on the notices sent certified mail, I am aware my application with my social security and signature, is a security and I demand they compensate me for it.
Company Response:
State: FL
Zip: 33935
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This has happened twice, last month in XX/XX/2023 and this month of XXXX, the problem is making a payment. I usually make my monthly payment before the due date of the XXXX to coincide with my pay period which is issued on the XXXX each month or the XXXX if it's the weekend. I paid early my monthly payment for XX/XX/XXXX due date on the XXXX with my new prepaid debit card issued by XXXX XXXX. through their retailer, PLS, my payroll and my son 's SSI and XXXX pay goes to the account in my name as I am his authorized payee. Discover card never told me I couldn't use the prepaid card to make a payment, I just so happened looked to see if the payment posted on the XXXX and it had not but a notice of a return payment fee had been applied as well as a late fee, {$40.00} and {$30.00} respectively, for a total of {$70.00} which decreased my available credit and notated my account with a late payment. Next day, the XXXX, I immediately went to the PLS Check Cashiers and made the payment at the store through bill pay. I contacted the customer service line, an Agent then told me I couldn't use my prepaid card, the number or routing and account number to make a payment but would remove the total {$70.00} in fees from my account NEXT BILLING CYCLE! The information stating that the cardholder had to use a big bank was nowhere on the application information section and now I run the risk of being reported as a late payment when in actual I paid early then paid again on the due date once the original payment was rejected via a method that was supposedly authorized but they just didn't process the bill payment until several days after the XXXX, my due date but I had my receipts.
Company Response:
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: The scammer created a fraudulent bank account XXXX XXXX, XXXX at Discover Bank. XXXX XXXX, XXXX is a legitimate company that submits a monthly invoice to XXXX XXXX XXXX XXXX. The scammer intercepted an email from XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX and changed the receiving banking account information by submitting another email using email account XXXX. On XX/XX/23 XXXX XXXX XXXX transferred via XXXX XXXX XXXX XXXX XXXX {$11000.00} to the fraudulent bank account at Discover Bank
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Re : I Dont Own this account, I am a Victim of Fraud/Identity theft Re : Disputing errors on credit report Re : Disputing the reported accounts listed to the debt collector Re : XXXX, XXXX, XXXX Has opened my account to debt collectors and given access after fraud alert, lock and freeze was placed on my account with out my authorization and neither notification and certified letters sent to bureaus which was ignored and not resolved after statement filed for investigation Re : Debt Collectors has ignored my notification Re : Identity Theft Affidavit Sent via Certified Letter XX/XX/XXXX 3 credit bureaus and debt collectors. Re : Police Report Filed Re : XXXX Filed and entered Re : Social Security Administrations Notified CC : Attorney XXXX XXXX XXXX XXXX I, XXXX XXXX never ever made any payment to this account by any form or means the credit bureau and debt collector states pays as agreed on credit report. I never made any payment to this account. I dont own this account this is fraudulent taken out in my name. I have made several requests to the debt collector, requested a copy of account information that paid any installment from any debit card, checks or online form of payment information, never received requested information of what I asked. I, XXXX XXXX, have also requested a copy of the initial actual application with a written signature and other pertinent information from the account, to resolve this account that is fraud taken out in my name. I have been denied this right several times by the debt collectors, XXXX, XXXX, and XXXX reporting agencies. All requests have been denied with no proof. I have requested 5 times from the debt collector and all 3 credit bureaus. I have sent certified letters, notifications and disputes all stated verified through. XXXX, which I stated I opted out of XXXX the credit bureaus ignored the request. I, XXXX XXXX opted out of XXXX via written certified letters request with XXXX, XXXX, and XXXX. All XXXX credit bureaus continued to utilize XXXX for verification of the accounts. I have requested the actual application and secondary information, I request a copy of any payment information made toward the accounts using a debit card payment, check account information or online payment information everything has been denied with the request I made, only irrelevant information sent instead only to find that debt information in my name was sent from the credit bureaus that is inaccurate. Dept of Ed/XXXX has numerous accounts in my name I dont own with same opened dates. I never ever received a letter of this account nor notification. I have placed a request with XXXX, XXXX, XXXX to freeze and lock my credit all credit bureaus, and thy have continue to give creditor access to my account to place this fraudulent account to my credit report that is not mine, even after the freeze and lock. Accounts is in violation of my rights. I am a victim of fraud and identity theft. Dispute:1. ( Account # XXXX ) Creditor : Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Amount : {$3200.00} ( charge off ) Date Opened : XXXX XXXX Contact : XXXX Dispute : XXXX ( Account # XXXX ) Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX Amount : {$3100.00} Date Opened : XX/XX/XXXX Contact # ( XXXX ) XXXX Dispute : XXXX ( Account # XXXX ) Creditor : Discover Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX Contact # XXXX Dispute # XXXX ( Account # XXXX ) Creditor : XXXX XXXX XXXX ( Care of XXXX XXXX XXXX ) XXXX XXXX Amount : {$7700.00} Date Opened : XX/XX/XXXX Contact # XXXX Dispute # XXXX ( Account # XXXX ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Amount : {$670.00} Date Opened : XX/XX/XXXX Contact # XXXX
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with Discover ( financial institution ), which was given value by ones signature. Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to 18 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I have consolidated then refinanced my student loans from XXXX XXXX, then Discover, and now currently XXXX XXXX XXXX. In 2018, I refinanced the total amount from XXXX XXXX to Discover. In doing so, Discover was tasked with purchases those loans from Discover. According to the records on XXXX XXXX, Discover bought {$25000.00} of loan # XXXX and {$23000.00} of loan # XXXX in XX/XX/2018 ( {$48000.00} in total ). However, the total amount of loan # XXXX was {$29000.00} and the total amount of loan # XXXX was {$26000.00}, which equals {$56000.00}. In short, they never purchased the full loan amount of either, leaving {$7300.00} in an account I believed to be closed. Those loans have accrued interest, unknown to me, over the course of XXXX years, leaving me with nearly {$12000.00} owed in an account that I was told had been bought, refinanced, and closed. It's also of note that I never received any indication from XXXX XXXX that these loans were delinquent, which gave me no reason to suspect anything odd. Now, once I had discovered this, I reviewed my documents and came to the above conclusion. Then, I contacted XXXX XXXX. They told me that this was the fault of the lender that refinanced, Discover. I then called Discover, and have had an ongoing XXXX month case opened to look into this. The employee I contacted and have been working with has been very kind, but Discover makes it very difficult for him to help beyond sending it to another department. He believes that it was likely a typing error done by anther employee. However I've received no indication that this is being handled in any way by Discover. Please help me resolve this.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a credit card account summary, with a {$170.00} balance. This account summary is in error, if not fraudulent. I havent used a Discover card in years, and with all my credit cards, I set up auto bill pay. And, I don't carry have a balance.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a formal complaint against Discover Financial Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Discovers inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). In addition to the FCRA violations, Discover has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable. Despite providing Discover Financial Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers. I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Discover Financial Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct. Discover must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A