Date Received: 2022-10-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I DONT OWN A BUSINESS AND DID NOT APPLY FOR A CARD SICK DURING XXXX FOR A YEAR AND A HALF {$5300.00} DISCOVERBANK XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. Payment Information Payment Status Late 120 Days Past Due Amount {$600.00} Highest Balance {$5300.00} Monthly Payment {$160.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Dispute resolved ; customer disagrees Creditor Name DISCOVERBANK Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX there was fraudulent activity made on my Discover card totaling approximately {$6800.00}. I hadn't used my Discover card for a few months so when I received my billing statement in XX/XX/XXXX I discovered the fraudulent charges I called Discover and the representative told me that Discover would initiate a fraud investigation and they would transfer the funds back into my account pending the conclusion of the investigation at the conclusion of their investigation they transferred my funds out of my XXXX XXXX account. I asked the representative to place my account on a hold so that no further fraudulent activity would occur. I assumed that the hold would stay in effect until I activated the card some how the card was activated and a additional approximately {$8000.00}. I've been trying to recover since my money since XX/XX/XXXX, Discover refuses to return my funds I've been unable to resolve the fraudulent charges and recover my money. Discover advertises " if you didn't make the charge you don't have to pay '' I feel that I have cooperated with Discover in every way that I can but Discover is unwilling to honor their pledge 'if you don't make the charges you don't have to pay '
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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 made a purchase in XXXX and created a credit card dispute under the bases of incomplete services with Discover on the date of XX/XX/2022 for the amount of {$2300.00}. On the discover credit card services website and their own cards benefit pamphlet it shows that discover has the ability to dispute purchases for 3 reasons, one of them being " Incomplete service : Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I made a purchase on an order where the seller messed up and sent me the wrong items. They agreed to a refund once I returned the item. This was the result of the products received wasn't as advertised, as clearly stated by discovers return policy. I agreed to return the items, and the return was sent back and delivered. After delivery, the seller refused to refund me for some odd reason. I believe they were double dipping me by keeping my order that I returned brand new and the money I spent on it. So they got a 2 for 1. I told discover this and provided ample amounts of evidence, of the order being returned and received by the seller and the seller refusing to refund me. They still sided with the seller. I opened a chargeback not only once but twice and they still sided with the seller when I provided evidence that the return was delivered to them and the seller was committing fraud by keeping my return and the money I sent them. Discover said I need proof that the refund is owed to me. How can I get proof from a fraud company that won't return me my money or the items I bought from them? Discover does not uphold to what their dispute claims are stated on their website. They do not care if their consumers get scammed. They will let it happen and ignore their consumers.
Company Response:
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Discover bank is reporting wrongful information regarding a debt that allegedly belongs to me. Ive sent my identity theft report and dispute letters via mail, to no avail. They continue sending me computer-generated answers and statements, instead of removing it. The FTC clearly states that If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) yet Discover continued violating my rights as a consumer to fair and accurate credit reporting. This discrimination and negligence has been going on for YEARS.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
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: Starting at the beginning, I discovered that my Discover credit card had been maxed out on XX/XX/XXXX when I tried to use it. Immediately called Discover Customer Service that night at XXXX XXXX XXXX a representative transferred me to the Fraud department. I spoke to a lady Fraud agent for 2 hours explaining the details that I knew to be true as of that time. My Discover credit card should of had only {$45.00}?.?? amount on it from the transactions I had made over the holiday season from XXXX to XXXX of XXXX. I did not use my credit card at all during the month of XXXX because I was planning on paying off all of my balance from the holidays. I wanted to keep my credit card balance low enough so that I could pay it all of within a 30 days worth of time because I had just paid off a full credit limit on my account back in late XXXX early XXXX of XXXX, a $ XXXX balance. I closed out my XXXX retirement plan because the interest on my account was never ending, I still want to get into my first house and out of renting an apartment. After speaking to the Fraud Department Agent who can look up all transactions for my account going back to the beginning, I am told that there's thousands of dollars worth of transactions to a vendor named XXXX 's XXXX. I inform the agent that any transactions for XXXX 's XXXX is automatically fraudulent, because XXXX 's XXXX is my developing business which has been shut down since XXXX of XXXX when the virus outbreak happened which in turn shut down the nation. In one week, I lost 9 months worth of private gigs and public events that were all scheduled in advance. I was 3 years into developing my business which I offered my creative services to the public for community and private events. Examples of my creative services start as follows with the most popular first : face & body painting, henna tattoos, digital photography, arts & crafts lessons, event planning, and custom sewing design ( costumes, outfits, clothing alterations, and more ). Next, the fraud department agent fixes my account. They close out my current account and open me a new account and only transferred the transactions that we went down the list together and I confirmed those were all mine. I waited approximately a month before trying to use my credit card again but not before calling Discover Customer Service and getting transferred to Fraud Department to check on the status of my account, which happened on Saturday XX/XX/XXXX ; this time spoke with a XXXX. XXXX told me that my account was fixed, there was XXXX charges from XXXX 's XXXX found and that a credit for {$3700.00} dollars had been added back to my account. A {$400.00} dollar refund for interest, a {$35.00} and {$29.00} refund for late fees. Discover Credit Card decided to assign an investigator to my account to relook at everything, named XXXX. After review everything, including my very detailed phone conversation, XXXX decides to reverse everything that the fraud agent did and return all of the fraudulent charges to my new account. I called Discover at XXXX and spoke to XXXX directly inquiring why my account is messed up again and all of the fraudulent charges are back? This took place Friday, XX/XX/XXXX. After I re-explained everything to XXXX over the phone for some amount of time, he doesn't believe me and tells me that the charges will remain on my account. I then continue to ask him, " what do I need to do in order to change your mind, because I never made those transactions? '' XXXX offered no advice of any kind. Next I contacted a good friend and previous student of mine who happens to be a retired attorney. She said for my to send in the XXXX XXXX history of transactions for the entire time the fraud took place, send in my banking statements for the same amount of time and work on getting a police report made for the fraud. Discover will have to reverse the investigator 's decision once you provide that you did not collect any of the funds from the fraudulent charges. I send all of that in, and still they refuse to fix my account. After a total of 15 harassing phone calls from Discover 's Protective Services department demanding that I make an excessive high payment to get my account back in good standing... .I explain again at least 3 separate times the details of the situation and that they need to fix my account first, no one in this country is supposed to be responsible for fraudulent charges that they did not make. There was a gentleman named XXXX, XXXX, and a ladies named XXXX, XXXX, XXXX, XXXX, and XXXX that I spoke with or received voicemails from. XXXX and XXXX were the only Discover representatives that seemed to care at all about the customer after I spoke to them. One of those ladies, at my request, sent me a complete copy of my closed account from the beginning so that I can completely review EVERYTHING. After doing that, I find even more fraudulent charges from the unknown hacker on my account. I added everything up between the XXXX pages, mail in both police reports and a detailed letter of what is required. Discover chooses to do nothing and leave my account as is, with all fraudulent charge and a huge amount of interest and late fees that just keep building up instead of fixing my account and taking care of the customer. Last time I checked, Customer Service was supposed to be at the very top of any business establishment because without the customer ( s ), nobody can operate a business anywhere. Finally, with all of the missed time that has pasted by while waiting for Discover to do what is right... .I have lost 3 other credit card accounts that I had in good standing and was paying off my monthly balances as fast as I could with pulling extra shifts and more. My good name and credit score has been completely trashed now and I have 1 or 2 remaining credit card accounts total : XXXX XXXX department store and a XXXX Bank XXXX XXXX credit card. I have been getting harassed by Discover, XXXX and XXXX Bank now for XXXX months when I am the victim of some hacker somewhere. IMPORTANT NOTE : Due to the excessive amount of time that has passed, I am unable to forward the Square App transaction history ( because I closed the account down and informed Square of the hacker incident for my developing companies name ). I can only attach a total of XXXX bank statements from the bank account that I had while the fraud took place ( Discover already has a full year 's worth of my bank statements which prove I never collected a penny from the fraudulent charges ). I also can not attach the full history of transactions from my first Discover credit card account because that account has been closed and I do not have online record of all that time... ..once again, Discover has all of that information. I am including a photo of my very old business card that I was handing out before XXXX as the only proof I can provide at this time of my developing business. I offered this to Discover and they told me that they didn't need it.
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
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: My name is XXXX XXXX I am writing this about my Discover card # XXXX my address is XXXX XXXX XXXX. XXXX, XXXX. XXXX. My phone number is ( XXXX ) XXXX. On XX/XX/XXXX and on XX/XX/XXXX I had to take my husbands to the DR. and they made us pay up front for the charges, The first charge was in the amount of {$330.00} and the second charge was {$560.00}. Our insurance company paid these charges, and the XXXX XXXX wouldn't credit them back. So, I filed a dispute and sent a copy of the insurance payments over to discover as proof of the double payment. In the meantime, I had a fraud to my account from XXXX XXXX, so discover changed my account #. That dispute was done correctly. I never received a credit for the dispute of the XXXX bills and on XX/XX/XXXX I was charged again for the XXXX XXXX bills. I have called about 13- or 14-time spending over an hour each time on the phone with discover to get one of the credits applied to my account on XX/XX/XXXX. then on XX/XX/XXXX I received a partial credit for the other charge. I received a credit of {$820.00}, this credit I am unable to send a copy of because I closed the account and can't access it. When you add the two charged together, they total {$890.00}. They still owe me {$70.00} for the bills and I should also receive the interest that I have been paying on these charged since I never received a credit and was charged again. I also requested to file a formal complaint and they keep telling me that a supervisor will call me back in 24 to 48 hour and no one ever does. I now canceled this card and want the credits applied to my account along with interest. Before I pay it off.
Company Response:
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I called XXXX customer service for a refund. The guy was able to state my prior transactions and payment history, so 5ought it was genuine call. The guy said I needed to have a gift card transaction 3 ways to authorise international refunds, so purchase {$200.00} XXXX gift card. Then he said I needed to buy 3 not 1, so bought 2 more. Then he handed it to a woman saying shes senior manager, and she asked me to try again with 6 gift cards worth XXXX each. In total, I spent XXXX. She finally said XXXX needs XXXX more for refund, and thats when I caught on late about scams and disconnected. I used my Discover and XXXX XXXX credit cards for this. The woman called me from phone number : XXXX
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
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: DiscoverCard tagged XXXX as a duplicate which is in violation of law for falsifying data reported to a U.S. Government website.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
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: Discover card illegally tagged this dispute as - duplicate and failed to respond.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A