Date Received: 2022-11-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Loss of job, house, and wages due to COVID- 19, Since then I have been declared 100 % XXXX and now I am on a set income from the government and deem total XXXX
Company Response:
State: LA
Zip: 71360
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This in regards to a deposit that was made for XXXX. This has been since XXXX but haas gone back and forth between XXXX who is discovers processor and XXXX XXXX who is the maker of the XXXX XXXX. I have verified as of XX/XX/XXXX that XXXX XXXX has put the XXXX in Discover Banks processing account so it needs to be credit to my account which is closed. So I need to have that money refunded back to me so I dont know how that will work. Maybe my account can be reopened or a cashiers check be mailed out to me. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Here are my notes and contact people for the other banks involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Left voicemail with info regarding check image Referance XXXX XX/XX/XXXX XXXX reference number XXXX XXXX XXXX XXXX XX/XX/XXXX Left XXXX for XXXX on XXXX XX/XX/XXXX XXXX applied payment XXXX on XXXX To your processing account. From XXXX back office.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Discover closed my account ending in XXXX without warning. The reason was We have taken this action because we were unable to verify personal information on your account.
Company Response:
State: DE
Zip: 19901
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XX/XX/2022, I was in XXXX XXXX XXXX XXXX When I Returned, I contacted the customer service department of discover card. I inform the company that there were fraudulent transactions on my discover credit card. After the investigation the company found and reversed the transactions. This was a part of their resolution and sending me a new card. XXXX or XXXX the company decided to re-establish the charges and informed me that I have given a person permission to be an authorized user on the account. So, I was responsible for the charges. I asked the Company for the recording of my verbal signature or the document with my written signature giving discover and the other party permission to be a secondary authorized user. I have not received either one. I am still making payments on the account as of current.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Getting a loan
Subissue: Problem with the interest rate
Consumer Complaint: My loan was originally signed in XXXX and XXXX for the amounts of {$18000.00}, {$24000.00} and {$24000.00}. Each loan balance is well above {$50000.00} at this point. Illegal fees interest has been applied to my loan done by Discover Student Loans and XXXX.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
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 # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/2022 I noticed that my credit score has dropped due to inaccurate reporting. I have attached screenshots of my online XXXX credit report and my Discover card account. The fair credit reporting act law 15 U.S code 1681 states that all consumer reporting companies must provide a account credit report and score. XXXX is not showing the Reporting balance/Available credit that Discover is reporting. This inaccuracy has lower my credit score.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have contacted Discover credit card starting last summer of 2021. I got the erroneous and fraudulent item removed from my credit files with XXXX credit bureau. I then tried to contact XXXX and XXXX, to do the same but there was no deletion. I still contacted Discover to remove the item, letting them know I never applied for or recieve any card, that showed up on my files. I even asked the representative to send me verification of my wet ink signature or any information with my identifying marks and they never respond, either by email or regular mail. This erroneous and fraudulent information is hindering me to get a better paying job, to support my family, and be a more productive citizen of this great country.
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Im trying to change my XXXX information from discover to XXXX XXXX bank. But cant because all of a sudden they remove XXXX from my discover account and no longer can use my email or phone number at any other bank for XXXX. According to XXXX themselves discover marked my number and email as fraud. Im not the only person having this issue. With a XXXX search you can see others in the same situation
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
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 initiated a dispute for a charge on XXXX for {$1600.00} through the online portal ; the dispute date is acknowledged by the company. On either XXXX or XXXX I was granted a temporary credit for the charge pending the investigation. On XXXX I was notified that the charge was determined to be valid and that the credit would be reversed. No communication was received in the meantime. My billing cycle is on the first of the month, meaning that two billing cycles passed after the conclusion of the current cycle at time of complaint, as well as most of a fourth before the dispute was resolved, totaling 109 days if I count correctly. Comment for 1026.13 - Billing Error Resolution Paragraph 13 ( c ) ( 2 ) 1. Time for resolution. The phra se two complete billing cycles means two actual billing cycles occurring after receipt of the billing error notice, not a measure of time equal to two billing cycles. For example, if a creditor on a monthly billing cycle receives a billing error notice mid-cycle, it has the remainder of that cycle plus the next two full billing cycles to resolve the error. 2. Finality of error resolution procedure. A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. Similarly, if a creditor fails to mail or deliver a written explanation setting forth the reason why the billing error did not occur as asserted, or otherwise fails to comply with the error resolution procedures set forth in 1026.13 ( f ), the creditor generally must credit the disputed amount and related finance or other charges, as applicable, to the consumer 's account. However, if a consumer receives more than one credit to correct the same billing error, 1026.13 does not prevent a creditor from reversing amounts it has previously credited to correct that error, provided that the total amount of the remaining credits is equal to or more than the amount of the error and that the consumer does not incur any fees or other charges as a result of the timing of the creditor 's reversal. For example, assume that a consumer asserts a billing error with respect to a {$100.00} transaction and that the creditor posts a {$100.00} credit to the consumer 's account to correct that error during the time period set forth in 1026.13 ( c ) ( 2 ). However, following that time period, a merchant or other person honoring the credit card issues a {$100.00} credit to the consumer to correct the same error. In these circumstances, 1026.13 ( c ) ( 2 ) does not prohibit the creditor from reversing its {$100.00} credit once the {$100.00} credit from the merchant or other person has posted to the consumer 's account. I would also argue that the documentation provided didn't not fulfil the obligations laid out in 1026.13 ( f ). Subsection 1 states : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; The attached document offers no reasoning for it's decision, and is simply a boilerplate letter with documents from the other party attached. From the official interpretation of 13 ( f ) Procedures if different billing error or no billing error occurred : ii. Nondelivery of property or services. In conducting an investigation of a billing error notice alleging the nondelivery of property or services under 1026.13 ( a ) ( 3 ), the creditor shall not deny the assertion unless it conducts a reasonable investigation and determines that the property or services were actually delivered, mailed, or sent as agreed. I contested that the terms outlined in the service agreement were never delivered, namely that the merchant would make every effort to reach a reasonable outcome, and yet when I needed them to make a single phone call they refused. The verbal explanation I was given today ( XXXX ) was that because the merchant had a non-refund clause there was nothing the credit company could do. This flies in the face of the above guidelines that the claim only be denied after a reasonable investigation, determines that services were delivered, and then the results of that investigation be explained to the consumer.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A