Date Received: 2022-12-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Discover Financial Services Account Opened XXXX High Balance carried from XXXX Minimum Payments met full balance on card paid off on XXXX automated system reduced credit on XXXX from XXXX to XXXX in accordance with CFPB and FTC law no alert was given to myself ( customer ) in any form when action was taken. it is also suspect that no automated credit adjustment was taken within the previous years of XXXX until full balance was paid off.
Company Response:
State: TX
Zip: 77044
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I received a letter in the mail ( XXXX ) from the XXXX XXXX XXXX saying that a tax return was filed in my name and with my Social Security Card. I then ran a credit report with all 3 accounts. On two of the three credit reports, there was a Discover card opened in XXXX with my name and Social Security card as well. As of XXXX, I was XXXX.
Company Response:
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Dear CFPB, I don't know what doors to knock anymore. Discover bank. They delete account from XXXX and XXXX, XXXX still keep it for some reason. Why I think they fail on investigation, I send them maybe 7 letters of each month showing that this account is not belongs to me, but it comes back verified as accurate, I request verification process which I can do by the Law, but again it comes back verified. I know you do have power and you guys can help me to remove the account under my responsibility. I will attach XXXX dispute result as a proof of that. XXXX I can not log in there are email which I don't recognize and phone number starting with XXXX which I don't have Idea what is it. Please help me to get off this XXXX. Thank you.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I went over the limit on my credit card by mistake. I paid extra XXXX bucks added to my monthly payment of XXXX then I turned around and paid additonal XXXX to bring the account down. they keep charging me XXXX fee for something i already paid for causing my balance to go negative for more than amount owed. They also implemented automatic deduction, I never agreed to that. What they did is try to deduct {$60.00} 2x ( from which I already ) Paid. Since bank returned, because I called bank and refuse to pay what I already paid. Then they add an additonal XXXX buck to my credit limit because it looks like I didn't pay and each time I try work with these people, either, I'm discounted by them or have to hang out and wait for then to response. I just want the bogus XXXX removed from my credit line and deleted as it supposed to be, especially since I paid extra! These companies are rippig us off.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The Company Discover.iT placed a Fraudulent hard inquire after signing up for there Pre Qualification check ( With No Harm To Credit ) option Available to the Public. I was Not approved but Still have the Hard inquirer.
Company Response:
State: TX
Zip: 779XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 have an account with Discover and they keep saying that I owe them money and that my credit balance is money that I owe to Discover. They say they lent me money from their reserves and that I owe them money and that they did not do anything with my information but simply confirm whether or not to approve me but did not receive any value from my information. I am demanding that they credit my account and they do so whenever a balance appears on the account.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: On XX/XX/XXXX, I received an email from my XXXX XXXX XXXX XXXX asking if I exercised all of my federal financial aid options before he proceeds to certify my private discover loan for {$60000.00}. I advised XXXX that I would like to proceed with using my private loan, and XXXX replied that he will be certifying that amount with Discover student loans. On XX/XX/XXXX, Discover student loans disbursed {$30000.00} to the XXXX XXXX XXXX financial aid office. After my tuition and fees posted to my student account there was a remaining credit of {$10000.00} on my account. On XX/XX/XXXX, {$7500.00} was direct deposited into my account, which is the standard living calculation based on the schools website for the average student. I reached out to the financial aid advisor XXXX XXXX along with another staff member from the college of law, where XXXX XXXX confirmed over the phone that I was set to receive the excess loan funds of {$10000.00}. On XX/XX/XXXX, I was copied on an email from XXXX XXXX explaining I only received {$7500.00} because that it is all that remained of my discover student loan money in the amount of {$30000.00} and they only thing that would effect that amount would be adding any dependents and changes to my FAFSA. On XX/XX/XXXX, I visited the financial aid office to speak with XXXX XXXX. I explained to XXXX that my loan is listed as an award, and that they were following the rules for federal direct loans or institutional loans/awards or awarded federal or institutional funds instead. XXXX could not provide any resolutions for that matter. XXXX explained that the government set limits for the cost of attendance, and I explained that discover pays 100 % of my costs for school, and the other guy in the office came up to the desk saying that you can only borrow so much because you can't profit off of going to school. The guy stated that we have limits set for that and that limit is {$60000.00}. I explained that the school certified {$60000.00} of the discover funds that I requested, and the funds I need for living expenses are within that amount. I also explained that my budget limitations are set as if I am an XXXX resident however, I am from XXXX and a flight home is {$1000.00} at minimum. The guy in the office asked XXXX how much of my loans are through FAFSA or through the school, he told him that the only thing I had of that sort was a tuition waiver. The guy then directed me to contact XXXX XXXX , the associate director of financial aid. I emailed her to set up an appointment and XXXX XXXX placed an escalation on my account and advised me to submit a budget appeal. On XX/XX/XXXX, I went to the financial aid office and spoke with XXXX XXXX. XXXX reviewed my apartment lease, my one-way flight receipt, and my class seat deposit receipt of {$500.00}, and she increased my student budget by {$3400.00}. XXXX confirmed that the excess funds in the amount of {$6600.00} would be credited back to Discover student loans. On XX/XX/XXXX the increased amount of {$3400.00} was direct deposited to my account based on the budget appeal I submitted with XXXX. On XX/XX/XXXX, I called the financial aid office to confirm with XXXX if the remaining funds of {$6600.00} was returned to Discover student loans and XXXX stated that she did not see the amount of {$6600.00} on my account and that she can not confirm where the funds were located. XXXX then directed me to speak with XXXX XXXX in student accounts because she would be able to see exactly where those funds were allocated to. I further questioned XXXX about my budget limitations, and she explained that the appeal amount did not include moving expenses and based on the assumption that my apartment was partially furnished in which she then advised me to submit another appeal with XXXX XXXX, the associate director of financial aid who I also sent an explanation email to on the XX/XX/XXXX. On XXXX XXXX XXXX sent an email confirming that {$6600.00} were sitting in a holding account in which she returns in batches. XXXX explained that she would proceed with returning the funds to Discover student loans once I completed the budget appeal process. On XXXX XXXX I spoke with my dean of students explaining that XXXX told me that there was nothing else she would further consider for extending my budget beyond my books for the semester. My dean of students then reached out to XXXX, and XXXX advised that I submit a budget appeal amendment to include my full cost of books for the semester and a possible travel extension due to the loss of my step-father the week prior. I sent XXXX a breakdown of my books for the semester along with pictured receipts and details of my current situation. On XXXX XXXX XXXX sent an email to me explaining she processed my additional budget appeal request for a total of {$1200.00} for full travel allowance but not the full book allowance because it was partially accounted for with my cost of attendance. XXXX also stated that the remaining amount of {$5400.00} should be returned to Discover student loans. The {$1200.00} were direct deposited to my account on XX/XX/XXXX. On XX/XX/XXXX I called Discover student loans in addition to logging into my student which not shows a balance of {$31000.00}. The discover manager with whom I spoke with said that they didnt information about any funds be returned from the XXXX XXXX XXXX XXXX they only showed there is a second disbursement set for XX/XX/XXXX for the amount of {$23.00}, XXXX. Also on XX/XX/XXXX, I called the financial aid office and spoke with XXXX XXXX. I explained to XXXX my current frustration and confusion with my private loan excess funds issue. I explained to XXXX that the schools financial aid policy states that any excess funds on the students account after tuition and fees have posted are to be disbursed to the student and that the only instance where student funds are adjusted is when a student receive a scholarship award, intuitional or government awarded funds that exceeds the cost of attendance and I only received a merit tuition waiver for {$19.00}, XXXX for the entire year which is dependent on my GPA at the end of each semester. I asked XXXX about the process for FAFSA XXXX plus loans and what is the difference between the XXXX plus loan and a private loan that is covering the same amount of tuition and XXXX stated that he sees my point and could not give me a clear answer as to why I would be able to receive excess funds with the XXXX plus loan and not a private loan and that he has never seen anyone in my situation with only private loans. He said he could only explain that because I have a tuition waiver that is need based aid, is one of the factors as to why I cant receive my private loan access funds. He directed me to speak with XXXX XXXX once more who could probably better explain. On XX/XX/XXXX, I spoke with XXXX XXXX once more regarding the difference between the XXXX plus loan and a private loan in which she advised me that I would be in the same situation that I am currently in because they have to follow federal guidelines even for private loans based on FAFSA information. I then explained the school policy as to excess funds that is to be released to the student and that it is awarded amounts that are not given beyond cost of attendance and not loan amounts in which has different requirements. She explained that she doesnt know exactly what to tell me and she asked me what exactly am I asking for at this point. I explained to XXXX that I do not have enough funds to cover essential needs and rent for the remainder of the semester. XXXX apologized for my financial hardship and asked me was there anything else they havent considered in my budget that she can add in to try to release more of my private loan funds to me. I then explained everything, and XXXX stated that she will look at my file again and that the only thing I can do is submit more budget appeals for the upcoming semester. XXXX XXXX XXXX financial aid office is refusing to follow their financial aid policies and give me the correct financial assistance so I can afford basic living necessities through each semester by disbursing my excess Discover student loans to my account in which my apartment and other living expenses were based on the amount certified by the XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Discover has stopped allowing XXXX use for customers that opened a checking account after XX/XX/2022. I have called to see why and when it will return and there is no timeframe. Reviewing XXXX, many other people are trying to get answers and Discover 's representatives have these response : " At this time, we do not have a time frame if or when XXXX will be restored with us. You are welcome to use XXXX with your other financial institutions. I will ensure to forward your feedback as you would like to see this feature added back. '' " It was a business decision to remove this feature at this time. We do not have an estimate for when XXXX will be restored. Please keep in mind we offer Online Bill Payment and Mobile Check Deposit to move money. '' This issue, and the lack of transparency as to why this issue is happening and when it will be resolved, has impacted the access to my funds.
Company Response:
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose
Company Response:
State: AR
Zip: 719XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have seen repeatedly on XXXX and XXXX XXXX XXXX DISCOVER BANK XXXX and transactions in my name on my consumer reports from discovery and XXXX I have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a Florida consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last XXXX or XXXX years Ive reached out to all XXXX of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with discovery bank and XXXX removed. At this point Im at. This is a cease and desist letter and warning to XXXX, XXXX, and XXXX about the fraudulent that are on my consumer report these are the accounts, the dates and the times. DISCOVER BANK XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due XXXX days XXXX XXXX XXXX XXXX {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} Revolving Individual XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Charge Card XX/XX/XXXX Closed Status Charge-off Status Updated XX/XX/XXXX Credit Usage XXXX XXXX Balance Balance Updated Credit Limit {$1100.00} XX/XX/XXXX XXXX XXXX Monthly Payment Past Due Amount {$1100.00} Highest Balance Terms Responsibility Revolving Individual ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX WY XXXX. FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LF XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX, XXXX XXXX XXXX, never gave ( XXXX, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name Discover Bank XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XXXX Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( XXXX ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXDISCOVERBANK/XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A