Date Received: 2022-12-10
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: A fraudulent charge was made with my card. I attempted to have XXXX cancel the order, but they would not because my email didn't match the one on the order. I disputed with Discover Card. The dispute was declined because " the geographic location '' was my home location ( I wasn't home at the time of the charge, was on vacation with my family ) matched the ip address used. I don't have any emails or other information ; I assume they went to the email of the person that stole my info. I only have the charge on my account and the dispute information. The charge was for {$270.00} and was made on XX/XX/2022 at XXXX CST, for a jar of mayo and a tent. The mayo arrived at my house ; the tent did not.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Discover Bank, 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 any purpose.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Discover Bank, 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 any purpose.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: spoke with representative regarding debt.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a charge of {$8.00} to my Discover credit card on XX/XX/XXXX from XXXX, then another charge on XX/XX/XXXX for {$290.00}. Between XX/XX/XXXX and XXXX there was a delivery to my home of a plain unmarked small box from a Fulfillment center in XXXX XXXX I opened the box to see what was inside XXXX XXXX and some XXXX XXXX, still unopened. I recognized the XXXX charges from XXXX were fraudulent because we do not smoke, we have never ordered any smoking materials from any source, we did not solicit the box that was delivered. I disputed both charges with Discover on XX/XX/XXXX. Discover found in my favor for the {$8.00} and found the {$290.00} was valid because XXXX provided proof of a delivery to my address. I cancelled that credit card number because it was obvious that someone was fraudulently using that card, and Discover issued a new credit card to us. The credit card company advised that I should contact XXXX to resolve the {$290.00} myself. I contacted XXXX in late XXXX and was advised the XXXX transactions originated with an affiliated company XXXX XXXX, and forwarded my call to XXXX XXXX. XXXX XXXX ' representative acknowledged to me that the transaction for {$290.00} was delivered to a different address than mine. The {$290.00} was for XXXX XXXX XXXX XXXX XXXX ; the box containing XXXX XXXX delivered to my address was a promotional item. XXXX XXXX ' representative advised that their customer account with my name, credit card information, and address was then closed based on the information that I furnished to them. The information obtained from XXXX XXXX indicates that the proof of delivery to my address that was submitted by XXXX to Discover for the {$290.00} transaction was delivery of the {$8.00} promotional box, and therefore Discover should reverse their decision on the {$290.00} transaction and credit my account. Discover stated that I must submit new documentation to reopen the dispute. I contacted XXXX XXXX again and asked them to send an email confirming that the {$290.00} transaction was for a delivery to a different address, and they sent that email on XX/XX/XXXX. I uploaded that email but Discover will not reverse the {$290.00} charge to my account. The end result is that an unknown party has stolen XXXX boxes of cigars and I am paying for it ; Discover is facilitating this theft by not performing adequate research into this matter.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2022, Discover Card contacted my stepmother on her mobile phone number regarding my debt even though she is not authorized to have access to my account. Discover Card additionally shared private information regarding my account to my stepmother.
Company Response:
State: AL
Zip: 35209
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
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/22 I booked adventure trip to XXXX with XXXX XXXX. They used a XXXX part XXXX XXXX XXXX, I paid via Discover Card XXXX and on XX/XX/22, 3 days prior to departure, XXXX XXXX told us XXXX XXXX didnt pay them, or the travel agents, hotel, food nothing so we could not go on the trip. I immediately filed dispute as did my XXXX traveling friends all XXXX of them won disputes with their credit cards, I am the only one that lost dispute. I submitted the same docs plus additional Discover never told me I lost dispute, I noticed the charge was put back on my card, so I called them, nothing was listed online, they never notified me. They said I lost because I didnt provide sufficient evidence. The merchant XXXX XXXX XXXX provided ZERO documents to Discover yet they won dispute. I asked what is needed for dispute, agent stated " proof refund is due '', I said that is impossible to get, XXXX XXXX XXXX wont reply to emailed calls or snail mail. But I got a letter stating such from XXXX XXXX, still lost dispute stating insufficient evidence, I asked what is needed again, they would not reply and will not tell me only that dispute closed and I lost dispute. I am the only of XXXX that lost dispute everyone was refunded their travel money. It is like buying a shirt online and if you dont get the shirt, company doesnt exist, you get money back, why wont discover pay me I paid for a trip they didnt provide a trip. They knew they were going out of business at the time they accepted my money. I am exhausted and have been fighting every day for refund since XXXX. Discover is wrong here they are to protect me and my purchases from scammers. I dont file disputes unless I know I am right, I am extremely right here, even Discover agents on the phone tell me they can not believe this loss because XXXX XXXX XXXX did not provide any documentation that they provided any service they submitted XXXX documentation. Dispute Number XXXX. My Discover card has been compromised TWICE since this trip, so I provided the card number that was charged. It is all the same account, mine, just the card numbers have changed twice. Should not pose an issue but I included my dispute number too
Company Response:
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
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/XXXX, I booked a trip via XXXX XXXX XXXX a travel agency ) with a payment plan split into three transactions. The first of XXXX XXXX on XX/XX/XXXX, payment of XXXX XXXX and then on XX/XX/XXXX, for XXXX $ for a total of XXXX XXXX Then on XX/XX/XXXX, the trip was postponed due to covid which the policy promised a full refund due to covid related issues ( which this was one ). They had the option of a full refund or going on the delayed trip. I opted for a full refund. They said that the refund would take around 90 days. Eventually, after more than 90 days, I got an email saying they would process the refund in 5-7 days. I wasted and nothing was processed. after I emailed them about this issue the company stopped replying to all my emails. To combat this, I filed for a credit card dispute, and Discover only provided a refund for the first two transactions and not the third one. They were all the same purchase split into three transactions, so the decision makes no sense how only part of the refund is given when it was all the same.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DISCOVER BANK contacting me in regards to an account that's not mine.
Company Response:
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXX who's struggling to take care of himself personally. I'm also a XXXX who has to apply for XXXX which is financial aid to help the XXXX afford college. Being that I'm a XXXX XXXX I don't receive XXXX grants to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. Discover Bank - late payment on XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )
Company Response:
State: NC
Zip: 27886
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A