Date Received: 2022-12-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I've recently applied for two discover credit cards and was denied. I recieved two separate adverse action letters dated XX/XX/2022 and XX/XX/2022. They have violated the equal credit oppotunity act as I've applied in good faith and discover has no lawful reason to deny me. they are governed under federal laws that protects my right as a consumer. these violations include : 1 ). 15 USC 1691 2 ). 15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002 Futhermore my social security card was used and I recieved no benefit ( Unauthorized use of credit card ). Due to this I've suffered hardship when applying for anything else due to the hard inquires on my consumer report from discover.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I received a postcard from XXXX about a Home Equity Loan. While I was entering information a message came up they were running my credit. I never checked a box to authorize I wanted to complete the application nor have my credit run. I was not applying I was only trying to get information. I tried to stop by pushing the back button and then I got a message from XXXX XXXX stating a new credit inquiry was made on my credit. I never got any confirmation email from Discover and at first thought it was a fraudulent website. I am requesting the credit inquiry be removed from my credit. The Discover representative said all she could do was close out the application. I have been a Discover customer from many years and this totally destroyed any trust I had in this company. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: A Discover Bank new account set-up was requested by a fraudster. I did Not apply for this Discover Bank account. Discover Bank informed of this attempted for this new account set-up via their letter dated XX/XX/22. Discover Bank was did not set-up this new account as Discover Bank was unable to verify my information.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover continues to harass me by calling and reporting an unauthorized account on my credit report. I have spoken to them months ago and they agreed to remove this account only to post it back months later. I am a victim of identity theft. My now estranged father assumed my identity and opened up to 20 accounts using my identity and computer. I have worked hard to get my finances back in order after this damage but Discover continues to harass me. I have filed both a police report and an id theft affidavit. I am requesting DIscover remove this account once and for all. Attached are my documents. Any further questions about this crime need to be directed to the XXXX XXXX Police Department, XXXX XXXX XXXX
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On or about XX/XX/2022 ordered two balance transfers via my wife XXXXXXXX XXXX Discover XXXX ' card ( account ending in XXXX ). Balances being transferred from two different XXXX XXXX credit card accounts in husband XXXX XXXXXXXX XXXX name ( account ending in XXXX for XXXX and account ending in XXXX for XXXX ). Total balances including balance transfer fees posted to Discover XXXX ' account statement XXXX or XXXX. Checking XXXX XXXX accounts found one had been credited for XXXX, the other not credited. On XXXX XXXX checked again, second balance still not credited, contacted Discover. The XXXX which was to be transferred from XXXXXXXX XXXX account ending XXXX was instead transferred from a completely unrelated account whose user is unknown to me ending in XXXX XXXX XXXX. Contacted Discover, must wait 8 days to investigate per their policy. They recommended we contact XXXX XXXX who said there was nothing which they could or would do to help. To sum up, we are now, rather than moving a balance to a 0 % XXXX Discover account, looking at twice that sum, one on Discover and one on XXXX XXXX. This must not stand and noone other than we seem motivated to act. HELP!! XXXX and XXXX XXXX, XXXX, Florida
Company Response:
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/22, I noticed a pending balance transfer in the amount of {$1900.00}, which I did not request, nor authorize. This transaction was scheduled to transfer a " portion '' of the current balance on my XXXX XXXX XXXX account to my new Discover Card account. Upon applying for the Discover Card, I specifically requested a " full '' balance transfer in the amount of {$6200.00} so as to fully pay-off my XXXX card XXXX Discover only approved me for {$2000.00}, & took it upon themselves to initiate a " partial '' balance transfer of {$1900.00} with a fee of {$57.00}, without my consent! I immediately began chatting with, and calling numerous Discover agents to resolve the company 's error. First, I applied for a credit limit increase, but was denied, so I explained how I was only interested in completely paying my XXXX balance off, and not wanting to add an additional creditor with another monthly payment to my current situation, and if I couldn't be approved for the full amount that I applied for, then a complete rejection would be in order, because anything less would not be authorized by me. I proceeded to request that the pending transfer be cancelled/disputed, but each Discover agent I spoke with said that the transfer could not be cancelled/disputed while in a " pending '' status, and that I must call back once it's actually posted. Later that evening, the transfer posted, and I resumed chatting and calling the next day, requesting once again that the transfer be cancelled/disputed, just to be misinformed by each agent over a few different days worth of very lengthy chat sessions and phone calls. The final straw for me, was on XX/XX/22 at XXXX pm, when chatting with XXXX in Utah, he told me that " since the creditor received the funds, we aren't able to help dispute the transfer! '' Please review the enclosed supporting documents, as well as the above-mentioned chat sessions in my account.
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a email stating that I had opened a account and never did so I called the bank to have them close the account that was done in my name.
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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 purchased online items from XXXX on XX/XX/2022. I requested a cancellation on XX/XX/2022 via chat and was informed they would try to cancel but that it may be too late as the items were already in process - the items had not yet been shipped by XXXX. I received notifications that items were shipped on XX/XX/2022. I was out of the country and items were never received. Discover card did not accept my dispute even though I have the documentation the order was cancelled prior to the company shipping the items. I received notification on XX/XX/2022 that discover Card would be placing the charge back on my card and I would be responsible for the interest.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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 u payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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 a so 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: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A