Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Unauthorized Hard inquiries.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX XXXX explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. pleas assist me.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I tried to reach out to the company directly ; however, they only have phone numbers listed for calls and I can not call. Due to lack of accessibility for people who are XXXX I have to submit my dispute here. My neighbors son has gained access to my accounts and XXXX account resulting in a significant amount of charges from " XXXX '' on my account. These are not authorized by me, I have NEVER used anything with a XXXX. I have reviewed all transactions within the history of the account and these are the only unauthorized charges on my account. I did not catch this so quickly as I have been dealing with a lot of medical issues over the past year and a half from XXXX complications. I have attached a list of transactions disputed as well as official affidavit for the claim.
Company Response:
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Been having issues with opening my account
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I didn't open account
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i received a letter from Discover saying that dispute of {$340.00} would reverse. I found out that the temporary credit that issued and XXXX XXXX issued it with a few days after. the dispute was open for more then days and now they are telling me i have to pay the {$340.00} back by the XX/XX/XXXX. This unfair that the dispute was open this long and more notice 10 days to pay this back.
Company Response:
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Received an alert that card was being used in XX/XX/2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after XXXX weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my XXXX account XXXX called XXXX, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called XXXX to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called XXXX on XXXX phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with XXXX and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a XXXX on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX - Spoke to agent from Discover about a recurrent charge of approx. {$80.00} for a discover payment protection plan that I had never signed up for. Per the agent I had this benefit since I became a member ( XX/XX/XXXX ). When I asked to please provide proof or documentation that shows that I had in fact opted in this service, the agent said that is not available and that as a courtesy they could only refund XXXX monthly billing cycles. I have been charged a recurrent fee since XXXX for something I have never opted in. The company doesnt have proof of me agreeing to this service, and I have been paying for something that shows as a fee on the statement. Its not until one digs deeper that finds that the fee is a recurrent charge for something XXXX never signed up for. I need someone to help me. I would like Discover to refund me in full for all charges made to the me from the Discover Payment Protection Plan since XX/XX/XXXX. I have read consumer news report about fraudulent practices from Discover regarding this topic, and I find myself in the same situation. I have been charged for something I was not aware I was signed into.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
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: I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for Discover Bank for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing Discover to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, XXXX. Discover has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. Enclosed is a letter dated XX/XX/2022 received by Discover refering to an inquiry instead of the disputed non-public personal information alleging to be the XXXXredit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Early this year, my daughter, XXXX XXXX, was the victim of identity theft and fraud related to her XXXX bank account, her Discover credit card and a XXXX account. XXXX is a XXXX at Michigan XXXX, and was under a lot of XXXX stress at the time, and the fraudulent charges on her Discover card came in 10 week period between XX/XX/XXXX and early XXXX, 2022. XXXX is not a frequent user of her credit card, and has never purchased a gift card in her life ; nevertheless, in that 10 week period over XXXX XXXX XXXX, XXXX, XXXX and XXXX gift card purchases were billed to her, without her ever authorizing or seeing any evidence of the gift card purchases that added up to over {$2500.00}. XXXX, XXXXXXXX XXXX mother, XXXX, and I have spent countless hours over the last several months implementing a credit freeze and working to eradicate the effects of the frauds on XXXX 's financial accounts and on-line identify. Ironically, Discover who has made the most frequent and aggressive advertising claims, " All Discover cardmembers are protected with our {$0.00} XXXX XXXX XXXX, which means you're never responsible for unauthorized purchases on your Discover Card account, '' has been by far the most disreputable and impossible with which to deal. Very briefly, I wrote to the General Counsel, XX/XX/XXXX, hoping that he could cut through the nonsense, but he referred it to a group, " XXXX XXXX XXXX XXXX XXXX, '' that most recently reversed a decision and letter sent to me on XX/XX/XXXX that agreed to credit XXXX 's account for all of the unauthorized charges. Then, on XX/XX/XXXX, this XXXX XXXX group ignored the fact that I represent my daughter and sent her a letter reversing that decision and claiming that she is responsible for all of the charges, which are obviously fraudulent. I would like the CFPB to take a look into how frequently Discover ignores its own guarantee not to attempt to hold its cardmembers responsible for unauthorized charges, and investigate what Red Flags Discover has established that are obviously inadequate, given that they can not identify and alert cardmembers to the most common fraud going, on-line purchases of gift-cards in extraordinary quantities, when the cardmember NEVER bought a gift-card in her life. I would be happy to send you the absurd correspondence that I have, but your systems for uploading PDFs does not seem to work. Please email me at XXXX, and I will happily share the correspondence that has traumatized my daughter so. Thanks very much for your assistance in this matter ; I can be reached at XXXX. All bests, XXXX XXXX
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A