Date Received: 2022-12-12
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: my insurance company paid for my rental while my car was being worked on. I provided my credit card for incidentals only, as described and agreed with XXXX. The insurance company issued full payment of $ XXXX to XXXX and the car was returned without damage and adequate fuel. Weeks later, XXXX charged me thte full rental amount. I confirmed XXXX had already funded this rental, and XXXX cashed their check. XXXX refused to provide a refund, and Discover has declined my dispute request, even with adequate documentation from XXXX showing they already issued payment to XXXX. I feel unheard, and thrown about in this situation, with Discover not honoring their -zero-liability claim. I did not authorize this transaction from XXXX, and Discover is asking to " prove '' I did not, which is impossible. Please help me.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Discover Bank partial account # XXXX, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 16666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
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: This statement is regarding internal reference number : XXXX On XX/XX/XXXX I was sent a letter stating that Discover would not reinvestigate my claim and that I would be held responsible for all transactions on the account ending in XXXX, unless I could provide new evidence. I have provided screenshots taken on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX all showing that my account was locked and I was unable to view or approve any activity during that time. Discover continues to blankly lie in order to pad the narrative of their own story and they must be held accountable for their falsehood. I called Discover on XX/XX/XXXX to report my card as missing. I spoke with a representative, at length, and I was told my old card would be locked and I would receive a new one in the mail in XXXX business days. Discover is claiming that I reviewed activity on XX/XX/XXXX and XX/XX/XXXX, but did not report my card as lost until XXXX. They also state that XXXX required to notify them of unauthorized activity within a timely manner and they are stating that XXXX is not a timely manner. Both of these statements are completely inaccurate and untrue. I did not review ANY activity on my account on XX/XX/XXXX or XX/XX/XXXX because MY ACCOUNT WAS LOCKED. Furthermore, timely notification is classified as 60 days. My card was stolen on XXXX so, EVEN IF I did not report the fraud until XXXX it would still qualify as timely notification, however I reported the card as stolen on XXXX, however the representative I spoke with did not take care of the issue properly because the card was never marked as missing. I called back several days later and the new representative I spoke with confirmed that the first representative did not initiate the claim correctly. I have also included timestamps from my app at work. I work at XXXX XXXX XXXX and I have time stamps proving that I was at work from XX/XX/XXXX to XX/XX/XXXX. I had an XXXX XXXX appointment on XX/XX/XXXX ; I have attached the text message confirming that appointment along with a photo giving proof that I was in XXXX, GA on XX/XX/XXXX. This should all be more than sufficient evidence to prove that it would be impossible for me to have made the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC or the XXXX XXXX purchase in CA. The timestamps also prove that I was at work on XX/XX/XXXX and could not have made the XXXX XXXX in UT purchase. I was at work on XX/XX/XXXX and could not have made the XXXX in CA purchase. I was at work on XX/XX/XXXX and could not have made the XXXX in UT purchase. I was at work on XX/XX/XXXX and couldnt have made the XXXX in TX purchase or the XXXX in DE XXXX. I have included several pictures of my family on vacation at XXXX XXXX XXXX, FL on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX proving I did not make the gasoline purchase in XXXX on XX/XX/XXXX. And I have also included my approved vacation time from work on XX/XX/XXXX. Ive included a location marking and appointment notification for XXXX at XXXX XXXX proving it was impossible for me to make the gasoline purchase in XXXX. And I have also included a screenshot of my XXXX account, which has no recent purchases proving I did not make the XXXX XXXX purchase. This is the only XXXX account I have and if I made that purchase it would reflect in my order history, but it does not!! Additionally, I have included my policy report from XX/XX/XXXX. I will not accept being XXXX XXXX or pushed around by Discover. I have provided PLENTY of evidence indicating that my Discover card was stolen and I reported correctly, in a timely fashion. Therefore, I should not be held liable for any unauthorized activity that occurred from XXXX. XXXX XXXX
Company Response:
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
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 sent a notice of billing error dispute to Discover bank on XX/XX/2022. They received this via usps tracking and sent a signed return receipt back on XX/XX/2022. This notice stated that the entire balance at that time of {$15000.00} was disputed. According to 12 C.F.R. 1026.13 ( d ) ; 1 ) Collection action is prohibited, 2 ) Adverse credit reporting is prohibited, and 3 ) Acceleration of debt is prohibited. Discover reported adverse events to my credit reports and continued to accelerate the indebtedness of this account during this billing dispute. They responded with a packet of statements along with a letter saying they deemed the account valid. Discover has failed to provide documentary evidence of indebtedness as monthly statements do not lawfully or by agreement constitute evidence. Discover can not deem this account valid without such documentary evidence.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/2021, Discover Financial Services asked to provide a proof of identification on my credit card account and I uploaded a form signed by an notarized bank officer but still they closed my account without any further notification or warning and I'm trying to get the reason for that from past year. I even mailed them but they are not giving me the clear explanation. I then further sent them a mail aswell however the reply was a computrized one stating the account has been closed and no reason was provided again. Because of that my credit score got hit by XXXX points. It is creating problems for me as I'm an international personnel and with this initial issue my history is being impacted which will create hindrances for me in long term.
Company Response:
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: DISCOVER FINANCIAL SERVICES has violated me as a consumer. They have abused my rights as a consumer! Violation 1 : Reporting an experience! DISCOVER CAN NOT furnish this information to the CRA 's. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response:
State: GA
Zip: 30277
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Submitted a previous complaint to discover. Person working with discover keeps giving me the " run around '' and says he will fix it and says he will call back. Was called last Tuesday XXXX and said he would report back in XXXX days. It is now XX/XX/11 and the charges are still on my card, and I have not been called back.
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions. 15 USC 1666B : A creditor, may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt was established and went to court in 2014, I missed the court date but have since given them court documents where I am only responsible for half the debt. They have told me they don't care and have attached my wages for a large amount- like 30 %. I have a signed court order- where my ex spouse is responsible for thee debt and they have ignored it. I am a one income XXXX supporting XXXX kids, XXXX of which has started XXXX and they refuse to decrease the amount being attached. I pay over {$600.00} dollars a month to this company and STILL EACH month they place a negative point on my credit report because interest has gone up. I'm in the state of CAlifornia and I don't believe this credit agency XXXX XXXX has acted lawfully or in good faith when it comes to ignoring my request and ignoring the court order given to me by a judge in a courtroom of XXXX CAlifornia. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Company Response:
State: CA
Zip: 93612
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A