Date Received: 2022-12-02
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I had a personal loan with Discover that was used to consolidate debt. I 'thought " I paid off the loan in XXXX when I made a large payment of around {$17000.00} dollars. I paid through their website ; however, they applied that amount as monlthy payments. I had not heard from them until XXXX of XXXX. They said I still owed in excess of {$500.00}. Their management failed to recognize their blame and I had to pay that amount today as of XX/XX/XXXX. They loan should have been paid in full when they received the large amount all at once rather than applying a large sum monthly and utilizing the large payment of $ XXXX interest free for the length of the loan. I believe discover should return my payoff amount I paid today of ~ {$540.00}. I think this is a predatory action and they should be made to return my money!
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX XXXX RE : Account number ending in XXXX Adverse action Discover card is in violation of ECOA ( equal credit opportunity act ) and Regulation B which require creditors to provide statements of specific reason as to why adverse action was taken against me ( consumer ). Discover for no reason decreased my credit line from {$1000.00} to {$6500.00} never gave me a written notice or explanation which they are required by law as to why this adverse action was taken, I have never miss or made a late payment to my account with discover. According to the CFPB In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. According to the statement above per the CFPB Discover hasnt provided me with a statement of specific or showing why adverse action was taken against me which made Discover civilly liable to me under 15 USC 1691e ( b ) because Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a )
Company Response:
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
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: Added an authorized user to my account, and a new card was mailed to my address. the card was not received in the mail, but on XX/XX/2022, I was alerted that XXXX XXXX XXXX tried to charge {$340.00} but declined. I should click Yes if it's me and No if it's not me. I select No. It was not my transaction nor my authorized user. I called customer service and spoke to the fraud team, and they order me a new card, which I am yet to receive. I was told on multiple occasions that the fraudulent amount would be credited. I am yet to receive it. I have contacted Discover card on multiple occasions just to be transferred to the same set of departments over and over.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I am getting Discover Credit Card statements with my credit Score on them. They use transunion. I confirmed with them that they show my information as blocked and were confused why they were getting that info from XXXX XXXX. They said to call them. XXXX XXXX- forced me into a text service for customer support. They had no idea how, with a credit freeze, Discover was getting this information. They then asked me for my private info, ( which they're own text service instructions said not to give that over text service. ) So I gave up with them. My question is how is XXXX XXXX giving my credit score information to Discover? I have confirmed my credit information is Frozen. Doesn't Frozen mean Frozen?
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: After applying for a card I should have been eligible for. I received a denial for a reason that did not make sense. After a little research I found that there was some fraudulent info on my credit report. Speaking to Discover executive office, I asked if I was able to supply them with information confirming that the delinquent account that was the sole reason for my denial was not a statement of fact, if we could either reverse the declination or remove the hard inquiry on my account allowing me to reapply without any further harm to my credit. The answer I was given was a pretty clear yes. The representative XXXX also said he would be looking in to things and getting back to me which amounted sending me a letter XXXX XXXX XXXX XXXX XXXX XXXX After supplying them with the evidence and outcome of handling the fraudulent info on my credit I was sent yet another letter that was basically a copy and paste of the first. Upon calling and speaking to discovers executive office yet again and a supervisor there I have been told they can not and will not do anything at all for me, but also wont deny that I was lied to by their representative.
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Discover credit card attract customer to use digital wallet to buy things on the internet. However when I using the card there is a unauthorized translation so I called and reported it to the discover. Yes, the unauthorized translation was canceled immediately and they sent me a new card. But the card cant add to XXXX XXXX again. I tried to call discover but no one can really help me solve the problem, they transferred me through 7 agents and I have to tell them information again and again. It really wasted my time and no reliable system to help customer solve the problem. Because the online store can only return refund original way. My money is lost. And I dont know what to do because no one actually follow my case.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: DISCOVER has been sending me these statements all these months with coupons attached to them and I have been paying by electronic funds transfer. The XXXX XXXX XXXX, XXXX XXXX, was set up to pay all my bills and because DISCOVER have my social security number, what is taking place is a Trust Action- with me as the beneficiary and with DISCOVER as the Trustee. As the Trustee, I would like to remind you that DISCOVER, has a fiduciary obligation to act in a way that will benefits me. Coupon - XXXX XXXX XXXX XXXX XXXX : Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached... On XX/XX/2022, I accepted the coupon offer at full value and mailed it to the proper address listed. It arrived XX/XX/2022 but my account has not been created.
Company Response:
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Other service problem
Subissue:
Consumer Complaint: I have an account with XXXX XXXX and transfer money using XXXX for last few years. Also I have an account with Discover bank too. But I have never used the account for anything. Last XX/XX/XXXX th Discover bank has labelled my account as fraud and suspended my XXXX tokens. Therefore I can not use XXXX XXXX for any money transfer. I have made over XXXX calls and they have not done anything to help me. Discover bank has to remove suspicious status on my account in order to use XXXX with any bank.Discover has labelled me as a terror with no reason. They should either take me to court and punish me or release my XXXX tokens. So I can be free to use XXXX through my bank.This is a discrimination against my status. I have contacted XXXX once and was told that they can not involve in this matter because this has to resolve through Discover bank only.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. For the following accounts : Acct name : DISCOVER BANK, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX, I sent a certified letter to Discover Bank requesting validation of the account they alleged I owe on, in the form of competent evidence, bearing my signature, showing I have a contractual agreement. XXXX at XXXX certified mail was signed for. XXXX Discover responded in writing they have investigated and findings to be accurate. They did not provide the contractual agreement bearing my signature as requested. XXXX Discover sent another letter providing me statement reprints from XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. No validation provided that I requested. XXXX I sent another letter asking again for verification of a contractual agreement bearing my signature, stating printouts of a bill or itemized document do not constitute verification. XXXX at XXXX, Discover signed for certified mail. XXXX Discover responded they already provided me with their documentation ( which did not include what I asked for ). XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX law about my request for verification of debt. Again, only receiving statements from XX/XX/XXXX, XX/XX/XXXX, and all of XXXX along with a card member agreement ( that can be pulled offline ) and did not bear my signature. I then proceeded to contact the credit bureaus ( XXXX, XXXX, and XXXX ) on XXXX by certified mail challenging the accuracy, compliance, and reportability of this listing and stating I do not consent to XXXX or any means of automated verification. I requested copies of documentation bearing my signature to confirm this is my debt under my social security number. XXXX XXXX responded that the information was verified by creditor. XXXX I attempted a phone call and could not get past automated system. XXXX I called XXXX and spoke with " XXXX '' who stated Discover Bank verified account, but stated I was not entitled to the information used to do that and that I would need to contact Discover. I explained I had, and they have not provided the information I requested. XXXX also stated dispute was resolved by Discover, but no information as to how that has come about has been provided by any of the entities. On XXXX Discover Bank filed a lawsuit against me. I responded to that lawsuit. Discover did not respond again, and the case was dismissed on XXXX. Through all this process I have learned that someone else was using my name and information based on addresses listed in California for me on my credit reports. I have also learned that my social security number has been disseminated by my local police department and that this could have been occurring over the duration of my XXXX ( plus ) career. My account number has not been listed on the credit bureaus to show that debt being asked for is mine and not some random person 's debt. I have stated I do not agree with the debt and have requested verification from Discover Bank and all three major credit bureaus without success. I have been tracking and documenting my efforts and have plenty to show for it. I want this resolved so that Discover will stop harassing me and stop sending creepy servers to my home that question my underage child without my consent.
Company Response:
State: IA
Zip: 52404
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A