Date Received: 2022-12-14
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I was scammed, by an individual, who also scammed, many more people! The Dept of Defense, Attorney General 's office, is investigating! Discover Card and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. A checking account, was issued by XXXX XXXX without, my name on a signature card! XXXX XXXXXXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! I am being sued by Discover Card! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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: On XX/XX/2022 & XX/XX/2022 I reported to Discover that I had made payments to them in previous months and they did not properly credit credit my account. Later on they finally gave me a temporary credit and told me to submit documentation, I did and they told me that my account was closed, and I would receive a letter in the mail. It is XXXX and I never received anything. This was for Dispute # XXXX XXXX XXXX XXXXer 1026.13 ( b ) ( 2 ) ( c ) Billing error resolution : 2. Correction without investigation. A creditor may correct a billing error in the manner and amount asserted by the consumer without the investigation or the determination normally required. The creditor must comply, however, with all other applicable provisions. If a creditor follows this procedure, no presumption is created that a billing error occurred. 3. Relationship with 1026.12. The consumer 's rights under the billing error provisions in 1026.13 are independent of the provisions set forth in 1026.12 ( b ) and ( c ). ( See comments 12 ( b ) -4, 12 ( b ) ( 3 ) -3, and 12 ( c ) -1. ) ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. I have not received anything yet, and they have reported adverse action on my credit report.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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 bought a keyboard from XXXX in XXXX, it arrived damaged, I asked for a return and was given an address in XXXX, not a pre-paid label. I check and it would have cost up to {$80.00} to ship back a {$130.00} item. I filed a dispute with Discover, it went back and forth. I contacted Discover asking for an XXXX agent, as I am XXXX, I was given a supervisor, I was in tears, the supervisor stated he would make a one time exception and refund me the amount and end this dispute once and for all and that I would never hear about it again. Today I wake up to a letter stating I owe the money again! They are unwilling to help me, lied to me, and are now assisting XXXX in defrauding me. " They never provided me with an XXXX agent!
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied online for a home equity loan through Discover Home Loans and was approved for {$50000.00}. I submitted everything required at the time such as XXXXXXXX XXXX XXXX everything pertaining to my home such as insurance, etc and received an email asking me to call them which I did. I went through everything with a personal banker and was told everything looked great including my XXXX ratio and I intended to pay off all my debr and I wouldn't mind it being down at the closing. Finally I was told I needed to have about {$1500.00} in reserves in order to close since my credit score was XXXX and although they accept scores as low as XXXX this was policy. A gift was allowable and less than a week submitted my final docs through their online portal. I called them after sending to see how long the process would take and was told it would be reviewed by an underwriter within a week. I also uploaded an explanation letter explaining why my one credit card had such a high balance and more information about me and my spouse who is also XXXX and of the XXXX XXXX. It was then that I noticed a much different tone to XXXX XXXX of when I got the denial was a day later and only because I logged into my account. The most recent " personal banker '' literally argued with me over the denial stating it was because my XXXX ratio was too high. I asked if they " grossed up '' XXXX income and she told me they did but my XXXX ratio was over 50 %. That is INCORRECT and. with just my income and my housing expenses etc my DTI is 39 %. Discover states on their site that it must be less than 43 %. Using household income it is 26 %. No one informed me of any issues and every document was checked offf on. I truly believe that Discover Home Loans discrimuated against me and my spouse after I admitted we were same XXXXXXXX XXXX XXXX XXXX. Modifying our home was what I planned on doing and believed that the remaining steps were formality. No one will talk to me or offer options and will not reconsider the fact that their calculations are incorrect. XXXX XXXX XXXX XXXX XXXX for many years before becoming XXXX. I was misled and wasted several weeks and an iquiry on my credit report only to be dropped for no other explanation then Discover didn't want us as borrowers
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, I have had a credit card with Discover for about 5 years. In the past XXXX I have realized that they are violating me in many ways ie : 15 USC 1692j ( a ), 1692b ( s ), 1692d ( 2 ) are just a few of the violations. I have also realized that I, the Consumer/Living woman living in the private should not pay for any Goods or Services for household use. All Debts are paid in advance for consumers Title 18 U.S.C. - 8. I tried to pay with the coupon and then a 1099A, they refuse to honor any of my instruments. On XX/XX/22 I sent XXXX XXXX XXXX. CEO/PRESIDENT of Discover Bank an Up-date My Records for my private status and a Validation of Debt letter because I do know that they are not the Holder in Due Course and are not the beneficial owner of that account. The account would not exist without me. I also cc 'd the below applicable parties : Their Registered Agent - CT XXXX XXXX XXXX Chairman - XXXX XXXX I am a Consumer/Living Woman living in the private and I demand to be treated as that.
Company Response:
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Discover bank has been harassing me via phone calls and mail regarding a debt I did not owe them. I do not have a signed consent with this company to use my name and social security and they have reported the debt to credit agencies. They have hired attorneys XXXX, XXXX XXXX XXXX XXXX, XXXX to sue me in a court of law for this debt in which I do not owe them. I requested they send proof of validity of debt and they were unable to provide me with a copy of any signed agreement to bank or use this company. This company is impersonating XXXX XXXX XXXX with Discover Card. I did not consent to this Discover Bank company to use my name and social security number and attempting to extradite me for a debt I do not owe them. Discover Bank has broken my consumer rights under the fair debt collection act. They have attempted to mislead me and have repeatedly attempted to collect a debt I do not owe.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have XXXX set up on Discover so that they withdraw the minimum amount every month. I also make additional payments throughout the month to offset any charges I incur during the week, and in fact pay more back because I round up to the next {$10.00} so as to work on decreasing my principal balance, and I also try to make additional payment just for the interest charged. So then I expect my minimum XXXX to also go through, thereby further decreasing my balance. Well Discover instead of putting the additional payments to principal, they deduct it from my minimum due, until it gets paid first, and my payments then do not go to the principal. I have requested that they not do that, but to keep my scheduled minimum payment as is, and put the additional money toward principal. They say they can not do that, which is untrue. I would understand if I did not have XXXX set up/scheduled, that any amount paid would have to go toward minimum first, but in the case of scheduled payments, any additional payment should go to principal. This is just infuriating bc it prevents people working to get out of debt, to actually get out of debt and so that large companies continue to make huge profits off of us.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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: The charge was from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Discover Card refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I sent XXXX XXXX to Discover Secured credit card to establish credit. They Never opened me an account and claimed they could not verify my information and took my XXXX for 3 months before giving it back in the form of a check. They are reporting a closed account that they never opened. I have challenged this on my credit report as it is impacting my report negatively.This was done to my husband as well.
Company Response:
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX, my previous banking, XXXX XXXX XXXX Bank ( in the northeast ) was acquired by XXXX XXXX XXXX Bank. Due to certain fees and other rules that came with my funds staying in XXXX & XXXX accounts, I had decided to take my funds out of the account and move them to a HYSA ( High Yield Savings Account ) and split the other into a checking account through XXXX XXXX. I chose Discover for my HYSA, and moved around half of my funds ( XXXX ) into this account from my XXXX XXXX XXXX Account with no issues. I then worked to close my XXXX XXXX XXXX Bank account and transfer the money over. I had some issues transferring the funds, as I attempted to transfer the rest of my money in the XXXX & XXXX account over ( {$4600.00} ). However, due to some unrelated issues regarding me accidentally transferring more than I had in the XXXX & XXXX account at the time ( due to an automatic bill payment occurring in the process ), there were some issues in transferring. Ultimately, I was able to take my money out of my XXXX XXXX XXXX account in Branch in order to prevent this from reoccurring and deposit it into the Discover account ( on XX/XX/22 ). However, in this process, Discover removed my access to my account immediately after, and when I called later that week, I was told my account was closed due to a " business decision '' and that I would be sent the money within the account by the end of a 30 day period. This, however, did not occur and I failed to get any help from the organization. On XX/XX/22, I was able to access my account online, but was only able to see that I had money in this Discover account. From this point, I was unable to remove any funds even after Discover had told me they had closed it. It appears this account is in some sort of limbo that was supposedly resolved in XXXX, though I still have No access whatsoever to these funds. I have attached XXXX documents labeled in order from 1-3 : 1 is the original message confirming my deposit on XX/XX/22, XXXX is a message saying the deposit would be delayed due to the amount ( XX/XX/22 ), and the third a message from today showing what occurs when I attempt to withdraw or transfer funds ( an issue that others I know with a Discover HYSA do not have ). Thank you to whoever reads this, I appreciate your time and hope this can help me get all of my savings back.
Company Response:
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A