Date Received: 2022-10-26
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: On XX/XX/XXXX, I received a text messaging from USPS but it turned out to be a fraud. It said that I have a mail in USPS and they needed to resend the mail. I was waiting for a mail from my company so I didn't specious that was actually a scam. I clicked on the URL in the texting, and entered a USPS-like website to enter my address and credit card information. I didn't know that was a fraud because the web page looked like the same website as the real USPS one. On XX/XX/XXXX, I received a text from Discover, which is my credit card company, saying that I had 2 transactions made from XXXX by the fraud. At that moment, I realized that the text I received on XXXX was a fraud. So I called Discover right away to report this fraud and ask them to stop my credit card. Meanwhile, I asked Discover to dispute these 2 fraudulent transactions. On XX/XX/XXXX, there were another 2 transactions made from XXXX by the fraud, but I didn't notice because I didn't receive any text notifications from Discover. On XX/XX/XXXX, there was another 1 transaction made from XXXX by the fraud, and I called Discover to ask why this was still happening after I made the first call on XX/XX/XXXX. But they mentioned their system was down, so they can't access my account to do any actions. On XX/XX/XXXX, I called Discover again, but it was too late to prevent another 2 fraud transactions from happening ( so there were 7 fraud transactions in total ). On this call, they just realized that they didn't cease online payment ( those frauds were done by XXXXXXXX XXXX which wasn't from my device. I only have XXXXXXXX XXXX ). Due to Discover 's mistake, I lost $ XXXX. On XX/XX/XXXX, after 2-month of communication with Discover on those 7 fraud transaction disputes, Discover still considered those fraud transactions valid. However, Discover made really wrong decisions and terrible investigations. First, those fraudulent transactions were made in XXXX, but I had my XXXX traveling document to prove that during those transactions were happening, I was in the USA. Second, the signatures on the receipts that the XXXX merchandise provided were obviously not my signatures. Third, those fraudulent transactions were made by XXXXXXXX XXXX which wasn't my device ; I always use XXXX XXXX Discover found a specious device but didn't ask me for verification. In sum, those fraudulent transactions were obviously not done by me. I have called Discover lots of times to talk about those disputes and provided my document that was authorized by the US Customs and Border Protection that I was in the US from XX/XX/XXXX to XX/XX/XXXX. Because of the disappointing investigation results by Discover and their mistakes, I have to report my case to CFPB to protect my right.
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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: XX/XX/2022 tried to resolve with Discover and XXXX XXXX same item, unauthorized charge! XXXX XXXX investigated and reversed the charge balance XXXX. Discover at my request dropped charge, after the claim investigation, but kept adding charge back XXXX, 2022 to present XX/XX/2022. Now they are adding fees of {$29.00}! Discover card cancelled by me XX/XX/2022. Every month I get a statement with an account number ending # XXXX. I opened a survey XXXX which turned out to be a scam! Original charge was {$54.00} ( approx. ) now it totals {$85.00}.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account # : # XXXX To whom it may concern ; This is in reference to your financial institution response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ). 15 USC 6801 - Protection of nonpublic personal information. 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that DISCOVERBANK use against Consumers like myself. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, a 3rd party made a payment of {$3000.00} to my Discover account. I called Discover on XX/XX/XXXX at XXXX to confirm how long it would take for this money to post to my account, the associate from Discover informed me that when a payment is made on an account, the funds become available immediately, as Discover credits your account with the money, however it does not actually post to the account until 8 business days later. I called Discover again on XX/XX/XXXX at XXXX and confirmed with an associate that the {$3000.00} was indeed posted/cleared to my account and available for spending. Yesterday, XX/XX/2022, I opened my Discover account to see that the {$3000.00} had been marked as a " Returned Phone Payment '', and dated XX/XX/2022, which resulted in my account being in the negatives and stating that the amount I now owe to them is {$3700.00}. My previous balance before this was {$730.00}. I called Discover on XX/XX/2022 for an explanation as to why and when this returned payment took place, the representative stated that the payment was returned on XX/XX/2022, and the reason given was due to it being an " unauthorized transaction '', even though when I review my statement it says the returned phone payment occurred on XX/XX/2022. I explained to her the steps I took before spending any funds on my account, which included calling Discover and speaking with someone who confirmed that these funds were indeed available for spending. I have not received any communication via email, telephone, or mail informing me of any issues regarding this payment being unauthorized, and after speaking with a Discover associate that informed me on XX/XX/XXXX that the funds were in my account and available for spending, I had no other reason to believe that there would be an issue with this payment. Also after being told by Discover that the window of time for a payment to post on your account is 8 business days, now I am being told that it can take longer in special circumstances. I asked her to reference this call that I had on XX/XX/2022 that I mentioned above, however I was transferred to her supervisor and not provided any assistance with resolving my issue. I spoke with the Customer Payment Verification department and he states that this is an odd circumstance and the only way for the funds to be replaced is by the account that it came from. After receiving little to no help, I reviewed my cardholder agreement which states " If a third party makes a payment on your Account and we return all or a part of such payment, then we may adjust your Account for any amount returned. We reserve the right to defend ourselves against any demand to return funds we have received, and may agree to a compromise of the demanded amount as part of a settlement. '' I called Discover again on XX/XX/2022 and spoke with the supervisor of the customer verification department. After explaining my concern to the supervisor regarding the policy from their cardholder agreement ( referenced above ), the window of time I was given from Discover for when a payment has officially been cleared in my account, and the lack of communication on Discover 's behalf to me as a consumer, I was told that the only way to resolve this issue is through the third party and Discover can not assist. I have never spoken with the 3rd party 's bank account that submitted this payment of {$3000.00}, only Discover had communication with them.
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I have advised the creditor and credit bureaus and they have refused to remove the fraudulent accounts.
Company Response:
State: WI
Zip: 53092
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later only 1 reporting agency XXXX XXXX ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 DISCOVER BANK ( CLOSED DATES DONT MATCH ) XXXX XXXX ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXXXXXX XXXX XXXX XXXXXXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX XXXXXXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Numbers : XXXX has called 5 times XX/XX/XXXX XXXX has called 4 times XX/XX/XXXX in the last XXXX hours both are discover loans ( I have voicemails having them identify who they are ) XXXX called 11 more times from XX/XX/XXXX to XX/XX/XXXX I contacted them back in XXXX to not contact me while they were harassing me on a call. they laid off till early XXXX late XXXX, but have contacted me everyday since. I have severe social anxiety as well as being on the phone, so I am physically incapable due to emotional/mental blocking me. They contact me at least 3 times of day, ive told them not to contact me early morning or clarified that they wake me up with these calls. they still call at XXXX XXXX directly.
Company Response:
State: WA
Zip: 98273
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was affected by the XXXX pandemic, starting a new job, and my husband was laid off. I missed two payments on my discover account. I contacted them on a recorded line and explained my situation, and told them I wanted to make things right with them. I owed a lot. The gentleman I talked to set me up on a payment plan but told me with the payment plan, I still would get a late payment ding on my credit. I told him I really didn't want another ding on my credit report and asked him what I needed to do to assure I was current and not past due. He told me the amounts I needed to pay and by what date I needed to pay them. I paid every last dime I had to make my account current ; I contacted discover again and talked with another agent, and they assured me again I was current and wouldn't get another ding on my credit report. BUT they didn't take me off the payment plan. So it still dinged my credit report again as late. I then contacted them and asked if they would please listen to the recorded call as I did everything the representative said to do to make things right. They told me they would do an investigation and get back in touch with me.. Which they never did. I have reached out multiple times. They also FROZE my account after they marked it as late. Then said they would do quarterly, I believe? Checks to see if my account could be un-froze. I just recently am in the process of buying a new home and paid close to {$4500.00} towards this card to get my credit even better. Last week I chatted with my mortgage lender, and everything was looking good. Then Friday, I got a notification from XXXX that they had closed my discover account. I let this go for the past couple of years with my account closed because I really wasn't planning on using the card. I was just all about trying to fix my credit since it got so destroyed after this whole pandemic thing, and now discover is completely ignoring my requests to check the phone recordings to confirm that I did indeed do as they told me to do. I have been a customer with them since 2015. Since the pandemic I haven't missed ONE payment. I have paid every month on time. I had a {$9500.00} credit limit with them. This has made a huge impact on my credit, and I am very unhappy with my experience with them. By doing what they said to do, I am now paying the price with dings on my credit even worse than if I wouldn't have cut myself short and just did the payment plan.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Last purchase I made with card that was authorized was XX/XX/2021. This was for an expansion game that was not released. My account was terminated so therefore could not make anymore purchases. Purchases after this was made using my card, however was under impression they were automatic charges. I reached out to company that charges were made to and they would not provide refund. I contacted Discover Credit Card and made a dispute. The dispute came back to someone else 's name on the charges. Opened up fraud claim due to this since I did not authorize these charges nor person who made charges. Discover said because I made a purchase with merchant in the past, that I am liable for all future charges.
Company Response:
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
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 stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). The room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.
Company Response:
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A